The home insurance industry in Maryland provides essential protection for homeowners against various risks, including damage, theft, and liability. Companies across the state offer tailored coverage options to meet the specific needs of their clients, ranging from individuals and families to businesses and landlords. This sector is witnessing a shift towards online platforms, enhancing customer accessibility and streamlining the policy management process. As more consumers seek customized solutions, insurance providers are adapting by forming partnerships with multiple carriers to offer competitive pricing and improved coverage options. Overall, the industry is evolving to prioritize customer service and responsive claims handling.


This listing features a mix of insurance companies in Maryland, with sizes ranging from small family-owned agencies like Huff Insurance to larger operations like GEICO Local Office. Founded between 1925 and 2020, these companies are diverse in ownership types, including private, corporate, and family-owned. Most focus on personal insurance products, particularly home and property insurance, aligning their services to meet the unique needs of Maryland residents. Many agencies also emphasize exceptional customer service, reflecting their commitment to building lasting relationships with clients.


Continue reading to explore the top home insurance companies in Maryland.


Top 20 Home Insurance Companies in Maryland


1. GEICO Local Office

  • Website: geico.com
  • Ownership type: Private Equity
  • Headquarters: Chevy Chase, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: January 1996
  • Founded year: 1936
  • Headcount: 201-500
  • LinkedIn: geico-local-office

GEICO Local Office, part of the Government Employees Insurance Company (GEICO), is based in Chevy Chase, Maryland. Founded in 1936, the company has built a reputation for providing a wide array of insurance products, including auto, property, and business insurance. GEICO Local Office serves both individual consumers and businesses, helping them manage risks and protect their assets through various coverage options. Their offerings in the property insurance sector include homeowners, renters, and condo insurance, among others. The company operates primarily through online platforms, ensuring that customers can easily access their services and manage their policies. With a workforce of over 400 employees, GEICO Local Office is well-positioned to cater to the needs of its clients in the insurance market.


2. Bowers Insurance

  • Website: bowersinsurance.com
  • Ownership type: Corporate
  • Headquarters: Hagerstown, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $135.0M, March 2008
  • Founded year: 1925
  • Headcount: 11-50
  • LinkedIn: bowers-insurance

Bowers Insurance, based in Hagerstown, Maryland, has been serving clients since 1925. This insurance agency provides a variety of insurance products, including auto, home, business, and life insurance. With a team of experienced professionals, Bowers Insurance focuses on understanding the unique needs of both individual consumers and businesses. They aim to help clients manage risks and protect their assets through tailored insurance solutions. The agency emphasizes customer service, offering 24/7 claims reporting and regular policy reviews to ensure clients have the appropriate coverage. Bowers Insurance operates with a dedicated staff, many of whom have extensive experience in the insurance industry, contributing to their reputation for responsive and accurate service.


3. Lighthouse Insurance Services


Lighthouse Insurance Services, founded in 2000 and based in Gambrills, Maryland, is a private insurance agency that specializes in providing a variety of insurance products. Their offerings include auto, home, life, and business insurance, catering to the needs of individuals, families, and businesses throughout Maryland. The agency prides itself on delivering tailored insurance solutions that help clients manage risks and protect their assets. With a small team of dedicated professionals, Lighthouse Insurance Services emphasizes customer service and community involvement, including charitable initiatives that support local families in need. Their affiliation with reputable insurance carriers allows them to offer competitive coverage options, making them a valuable resource for those seeking home insurance in their region.


4. CNR Insurance Inc

  • Website: cnrinsurance.com
  • Ownership type: Private
  • Headquarters: Annapolis, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2001
  • Headcount: 11-50
  • LinkedIn: cnr-insurance-inc.

CNR Insurance Inc, based in Annapolis, Maryland, is an independent insurance agency that has been serving clients since its establishment in 2001. With a team of 21 employees, the agency specializes in a variety of insurance solutions tailored for both individuals and businesses. Their offerings include personal insurance products such as home, auto, and life insurance, as well as business insurance options designed for various industries. CNR Insurance prides itself on delivering quality service and coverage, ensuring that clients receive the attention and support they need. The agency operates across more than 20 states, reflecting its commitment to providing accessible insurance solutions. CNR Insurance emphasizes the importance of understanding the unique needs of local families and businesses, which is evident in their proactive approach to insurance. They partner with top-rated carriers to offer a wide range of policies, ensuring that clients are well-protected against potential risks. The agency's focus on client satisfaction and tailored solutions positions it as a relevant player in the insurance industry.


5. Kirby Insurance Agency

  • Website: kirbyinsurance.com
  • Ownership type: Private
  • Headquarters: Baltimore, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1934
  • Headcount: 11-50
  • LinkedIn: kirby-insurance-agency

Kirby Insurance Agency, Inc. is a private insurance agency based in Baltimore, Maryland, with a history dating back to 1934. The agency specializes in personal insurance products, including home, condo, landlord, and renters insurance, catering to individuals and families primarily in Maryland and surrounding states. With a team of experienced professionals averaging over ten years in the industry, Kirby Insurance Agency focuses on providing personalized service and tailored insurance solutions to meet the unique needs of their clients. They work with multiple insurance carriers, allowing them to offer a variety of policies and price points. Their commitment to customer service is evident in their proactive approach to addressing client needs and challenges. Kirby Insurance Agency also emphasizes community involvement, reflecting their dedication to supporting local residents. They have established a reputation for responsiveness and reliability, as evidenced by numerous positive testimonials from satisfied customers.


6. Independent Mutual


Independent Mutual Fire Insurance Company, founded in 1948, is a private insurance provider based in Cockeysville, Maryland. The company specializes in property insurance, particularly for manufactured homes and fire policies. With a workforce of approximately 27 employees, Independent Mutual emphasizes personalized service and efficient claims processing, aiming to protect clients' assets from various risks. Their extensive experience in the industry allows them to tailor coverage to meet individual needs, ensuring that policyholders receive the support they require during challenging times. The company operates solely within the United States, reinforcing its commitment to serving local communities. Independent Mutual's focus on customer service and rapid claims adjustment positions it as a relevant player in the home insurance sector.


7. The Hogans Agency, Inc.

  • Website: hogans.com
  • Ownership type: Private
  • Headquarters: Chestertown, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1952
  • Headcount: 11-50
  • LinkedIn: the-hogans-agency-inc.

The Hogans Agency, Inc. is an independent insurance agency based in Chestertown, Maryland, established in 1952. With a workforce of 34 employees, the agency specializes in a wide array of insurance products, including auto, home, commercial, life, and health insurance. They also cater to niche markets such as biotech and food service. The agency prides itself on delivering personalized service and tailored insurance solutions to both individual consumers and businesses. Their approach is centered on understanding client needs and providing comprehensive coverage options. Hogans Agency has built a reputation for exceptional customer service, which is reflected in positive client testimonials. They operate without the constraints of a single insurance company, allowing them to advocate for their clients' best interests during claims and policy management.


8. Insurance Brokers of Maryland, LLC


Insurance Brokers of Maryland, LLC, founded in 1996 and based in Emmitsburg, Maryland, is a private insurance agency that specializes in a variety of insurance products. These include car, homeowners, life, health, and business insurance. The company serves both individual consumers and businesses, aiming to provide tailored insurance coverage that meets specific needs. With a strong emphasis on customer service, their agents work closely with clients to understand their unique situations and guide them through the insurance purchasing process. Over the years, Insurance Brokers of Maryland has built a robust network of over 45 insurance companies, allowing them to offer competitive rates and a wide range of options. Their commitment to helping clients secure the best possible coverage at the lowest price has made them a trusted name in the Maryland insurance market.


9. Mason & Carter, Inc.

  • Website: masoncarter.com
  • Ownership type: Private
  • Headquarters: Baltimore, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1901
  • Headcount: 11-50
  • LinkedIn: mason-%26-carter-inc.

Mason & Carter, Inc. is an insurance agency based in Baltimore, Maryland, with a history dating back to 1901. The company specializes in providing a wide array of personal and commercial insurance products, catering to individuals, families, and businesses. Their offerings include essential personal insurance options such as auto, motorcycle, and notably, home insurance, which is critical for asset protection. The agency prides itself on delivering personalized service and has established partnerships with various insurance companies known for their financial strength and reliable claims service. This strategic approach allows Mason & Carter to offer competitive pricing and comprehensive coverage tailored to the unique needs of their clients. With a dedicated team of professionals, the agency emphasizes the importance of understanding client needs and providing informed recommendations. They are licensed to operate in multiple states, further extending their reach and relevance in the insurance market.


10. Joseph W. McCartin Insurance, Inc.

  • Website: mccartin.com
  • Ownership type: Family Owned
  • Headquarters: Beltsville, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1967
  • Headcount: 11-50
  • LinkedIn: joseph-w.-mccartin-insurance-inc.

Joseph W. McCartin Insurance, Inc. is an independent insurance agency based in Beltsville, Maryland, serving the Baltimore-Washington Metro Area. Founded in 1967 by Joseph W. McCartin, the agency has built a reputation for providing a comprehensive suite of insurance solutions, including home, auto, life, and business insurance. With a team of 18 employees, the agency focuses on delivering personalized service and expert advice to both individual consumers and businesses. They are licensed in multiple states, including Maryland, Virginia, and Washington, D.C., and have established partnerships with top-rated national and regional insurance carriers. Their commitment to client satisfaction is reflected in their client testimonials and a strong emphasis on accountability and continuous improvement. The agency has not reported any funding, indicating a stable, self-sustaining business model.


11. Blue Ridge Risk Partners


Blue Ridge Risk Partners is an insurance agency based in Hagerstown, Maryland, specializing in personalized home and auto insurance services. Founded in 2020, the company aims to simplify the insurance shopping process for consumers by providing tailored coverage options. They assist clients in obtaining quotes from multiple insurance providers, ensuring that customers receive competitive rates without the hassle of extensive research. With a workforce of approximately 122 employees, Blue Ridge Risk Partners operates primarily in Maryland, Pennsylvania, and West Virginia, focusing on meeting the unique insurance needs of clients in these regions. Their commitment to customer service is evident in their approach, which emphasizes direct communication and support from experienced agents. The agency has positioned itself as a resource for homeowners, offering insights into coverage options and the importance of adequate insurance protection.


12. Landmark Insurance & Financial Group, Inc.


Landmark Insurance & Financial Group, Inc., founded in 1979, is an independent insurance agency based in Princess Anne, Maryland. With a team of 11 to 50 employees, the agency provides a variety of insurance and financial solutions tailored to the needs of individuals and businesses. Their offerings include personal insurance products such as home, auto, and flood insurance, as well as business insurance, life and health insurance, and employee benefits. The agency primarily serves clients in the Mid-Atlantic region, including Maryland, Delaware, and Virginia. Landmark Insurance prides itself on its customer-centric approach, emphasizing protection, education, and integrity in its services. The agency's motto, "Large Enough to Serve You, Small Enough to Care!™", reflects its commitment to personalized service. They leverage technology and partnerships with top-rated insurance companies to help clients navigate their insurance needs effectively.


13. Moran Insurance

  • Website: moraninsurance.com
  • Ownership type: Family Owned
  • Headquarters: Severna Park, Maryland, United States (USA)
  • Employee distribution: United States (USA) 81%, Australia 19%
  • Founded year: 1977
  • Headcount: 11-50
  • LinkedIn: moran-insurance

Moran Insurance, based in Severna Park, Maryland, has been serving clients since its establishment in 1977. Founded by George Moran, the agency has grown to include a team of experienced professionals dedicated to providing comprehensive insurance solutions. With a focus on personal insurance, they offer home and condo insurance, auto insurance, renters insurance, and more. The agency prides itself on its independent status, allowing them to represent multiple reputable insurance carriers. This enables them to find the best coverage options for their clients at competitive prices. Serving over 3,500 clients across Anne Arundel County, Metropolitan DC, Baltimore, and the Eastern Shore, Moran Insurance has built a solid reputation in the community. Their commitment to customer service and risk management is evident in their approach to insurance consultation and claims support.


14. RG Insurance

  • Website: rginsurance.com
  • Ownership type: Private
  • Headquarters: Rockville, Maryland, United States (USA)
  • Employee distribution: United States (USA) 94%, India 6%
  • Founded year: 2017
  • Headcount: 11-50
  • LinkedIn: rginsurance

RG Insurance, based in Rockville, Maryland, is a private insurance agency that has been operational since 2017. The company provides a variety of insurance products, including home, auto, life, and business insurance. With a workforce of approximately 35 employees, RG Insurance emphasizes personalized service to cater to both individual consumers and businesses. They have expanded their footprint with multiple office locations and have made significant strides in market penetration through strategic partnerships and acquisitions. RG Insurance is committed to delivering tailored insurance solutions and actively engages with clients through educational content on their blog, which covers various insurance-related topics. This approach not only informs customers but also enhances their understanding of the insurance landscape.


15. Huff Insurance

  • Website: huffinsurance.com
  • Ownership type: Corporate
  • Headquarters: Pasadena, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: January 2017
  • Founded year: 1960
  • Headcount: 1-10
  • LinkedIn: huff-insurance

Huff Insurance, based in Pasadena, Maryland, has been serving clients since its founding in 1960. As a family-owned agency, it prides itself on providing personalized service and a comprehensive range of insurance products. The agency specializes in personal insurance, business insurance, and life insurance, catering to both individual consumers and businesses. With a focus on home insurance, Huff Insurance offers various coverage options, including standard homeowners insurance, flood insurance, and specialized policies for short-term rentals. Their independent status allows them to work with multiple insurance carriers, ensuring clients receive competitive rates and tailored coverage. The agency is licensed to operate in several states, including Maryland, Virginia, and West Virginia, and emphasizes a commitment to protecting clients' assets and lifestyles. Huff Insurance has built a reputation for quality service and community involvement, maintaining traditional values while integrating modern technology to enhance client interactions.


16. Hankoff Insurance Group

  • Website: hankoffinsurance.com
  • Ownership type: Private
  • Headquarters: Owings Mills, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1948
  • Headcount: 11-50
  • LinkedIn: hankoffinsurancegroup

Hankoff Insurance Group, based in Owings Mills, Maryland, has been serving clients since 1948. This private insurance agency specializes in a wide array of personal and commercial insurance products, with a notable emphasis on home insurance. The company prides itself on fostering long-term relationships with clients, offering personalized guidance to help individuals and businesses navigate their insurance needs. Their team is dedicated to educating clients about their options, ensuring they understand the coverage they select. Hankoff Insurance Group operates as an independent agency, allowing them to source the best policies from various providers, which enhances their ability to meet the unique needs of their clients. Their commitment to service and expertise in the insurance field positions them as a relevant player in the home insurance market.


17. Ashley Insurance

  • Website: ashleyinsurance.com
  • Ownership type: Private
  • Headquarters: Centreville, Maryland, United States (USA)
  • Employee distribution: United States (USA) 89%, Canada 11%
  • Founded year: 1980
  • Headcount: 11-50
  • LinkedIn: ashley-insurance

Ashley Insurance Inc. is a private insurance agency based in Centreville, Maryland, with a history dating back to 1980. Founded by the Ashley family, the agency has grown from a small operation to a network of offices across the Eastern Shore of Maryland, employing around 35 individuals. The agency specializes in a variety of insurance solutions, including personal insurance, business insurance, and employee benefits. They pride themselves on providing personalized service, with dedicated agents assigned to each client to ensure their unique needs are met. Ashley Insurance is also known for its community involvement, actively participating in local charities and youth sports. As an independent agency, they represent multiple insurance carriers, allowing them to offer competitive rates and a range of options for home insurance and other coverage types.


18. VW Brown Insurance Service

  • Website: vwbrown.com
  • Ownership type: Private
  • Headquarters: Columbia, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1960
  • Headcount: 11-50
  • LinkedIn: v-w--brown-insurance-service

VW Brown Insurance Service, founded in 1960, is an independent insurance agency based in Columbia, Maryland. The agency specializes in providing a wide array of insurance solutions, including personal, business, life, and health insurance. With a focus on home insurance, they cater to individuals and families, helping them navigate their insurance needs effectively. VW Brown Insurance Service prides itself on its customer-centric approach, emphasizing strong relationships and personalized service. The agency operates in multiple locations across Maryland, Virginia, and West Virginia, serving a client base of over 28,500. Their team of experienced insurance advisors works closely with clients to ensure they make informed decisions regarding their coverage. The agency has received recognition for its performance, including awards from ERIE Insurance Group, and is actively involved in community initiatives, demonstrating a commitment to social responsibility. They represent various top-rated insurance carriers, providing clients with choices tailored to their specific needs.


19. Boizelle Insurance Partnership

  • Website: boizelle.com
  • Ownership type: Private
  • Headquarters: Gaithersburg, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1957
  • Headcount: 11-50
  • LinkedIn: boizelle-insurance-partnership

Boizelle Insurance Partnership, founded in 1957, is an insurance agency based in Gaithersburg, Maryland. The company specializes in a wide array of insurance products, including auto, home, life, and commercial insurance. With a dedicated team of 11 to 50 employees, Boizelle serves both individual consumers and businesses, providing customized insurance solutions to mitigate various risks. Their independent agency model allows them to work with multiple top-rated insurance carriers, ensuring that clients receive optimal coverage tailored to their specific circumstances. Over the years, Boizelle has built a reputation for exceptional customer service, emphasizing the importance of understanding client needs and advocating for them during claims processes. Their history includes notable awards from Erie Insurance, highlighting their performance in sales and service. Boizelle's commitment to client satisfaction and their extensive experience in the industry make them a significant player in the home insurance market.


20. Avery Hall Insurance Group

  • Website: averyhall.com
  • Ownership type: Private
  • Headquarters: Salisbury, Maryland, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1925
  • Headcount: 51-200
  • LinkedIn: avery-hall-insurance-group

Avery Hall Insurance Group, based in Salisbury, Maryland, has been serving clients since 1925. This private insurance agency provides a variety of insurance products, including health, life, and commercial insurance, alongside employee benefits. They cater to both individual consumers and businesses, helping clients navigate their insurance needs effectively. With a team of around 100 employees, Avery Hall emphasizes customer satisfaction and community involvement. Their offerings include homeowners insurance, renters insurance, and various other personal insurance products. The agency has expanded over the years through acquisitions and has established a strong local presence with multiple offices in Maryland and Delaware. Their commitment to quality service and community support reflects their founder's philosophy of treating clients with respect and integrity.



Home Insurance Insights: Key Companies in Maryland


CompanyHeadquarterSizeFoundedOwnership
GEICO Local OfficeChevy Chase, Maryland, United States (USA)201-5001936Private Equity
Bowers InsuranceHagerstown, Maryland, United States (USA)11-501925Corporate
Lighthouse Insurance ServicesGambrills, Maryland, United States (USA)1-102000Private
CNR Insurance IncAnnapolis, Maryland, United States (USA)11-502001Private
Kirby Insurance AgencyBaltimore, Maryland, United States (USA)11-501934Private
Independent MutualCockeysville, Maryland, United States (USA)11-501948Private
The Hogans Agency, Inc.Chestertown, Maryland, United States (USA)11-501952Private
Insurance Brokers of Maryland, LLCEmmitsburg, Maryland, United States (USA)1-101996Private
Mason & Carter, Inc.Baltimore, Maryland, United States (USA)11-501901Private
Joseph W. McCartin Insurance, Inc.Beltsville, Maryland, United States (USA)11-501967Family Owned
Blue Ridge Risk PartnersHagerstown, Maryland, United States (USA)51-2002020Private
Landmark Insurance & Financial Group, Inc.Princess Anne, Maryland, United States (USA)11-501979Private
Moran InsuranceSeverna Park, Maryland, United States (USA)11-501977Family Owned
RG InsuranceRockville, Maryland, United States (USA)11-502017Private
Huff InsurancePasadena, Maryland, United States (USA)1-101960Corporate
Hankoff Insurance GroupOwings Mills, Maryland, United States (USA)11-501948Private
Ashley InsuranceCentreville, Maryland, United States (USA)11-501980Private
VW Brown Insurance ServiceColumbia, Maryland, United States (USA)11-501960Private
Boizelle Insurance PartnershipGaithersburg, Maryland, United States (USA)11-501957Private
Avery Hall Insurance GroupSalisbury, Maryland, United States (USA)51-2001925Private


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