Renting your first apartment in the city of Baltimore or in the suburbs of Bel Air can be exciting, but knowing that your belongings are protected in the event of a theft or other incident can make it that much more enjoyable. Fortunately, Nationwide's available renters options, such as personal liability insurance, can provide the extra level of protection you need - whether you're a college student or an experienced tenant. Nationwide’s renters insurance provides customizable coverage at affordable rates. We even offer renters discounts to help our members save more. Get protected in your apartment or home - start a renters insurance quote online now.

Is renters insurance required in Maryland?

While renters insurance is not required by law in Maryland, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance is not liable for any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

Maryland renters coverages and discounts

person shield

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of Maryland renters

Whether you're looking for renters insurance coverage for your home in Waldorf or your apartment in Columbia, Nationwide has a Maryland renters insurance option for you.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

Nationwide agents throughout Maryland are ready to assist you

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We have Nationwide agents throughout Maryland.

What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:


The location of the rental property includes state and ZIP code.


The type of coverage you choose and how much personal property and liability protection you want your policy to cover.


The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

What to consider when getting renters insurance in Maryland

Maryland is no stranger to rain and even the occasional snowfall. Renters insurance usually covers damage as a result of rain; however, any damage caused by a flood usually requires a separate policy. It is also important to note that if you are not living where you are renting at the time of the incident, you may not be able to receive any reimbursement for your belongings.

Get a free Maryland renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Maryland renters insurance quote today.

Nationwide coverage in Maryland

[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.