i
As of August 2024
HOMEOWNERS &
RENTERS INSURANCE
A COMPARISON GUIDE TO RATES
11
Table of Contents
1
2
2
3
4
5
• Western Maryland, Washington, D.C.
and Southern Maryland
15
•
Greater Baltimore Suburban Area
40
•
Eastern Shore (w/o Cecil)
63
75
77
85
Insurer Phone Numbers and Websites
Coverages Offered by Insurers
How to File a Complaint
Rapid Response Program
85
How to Shop for Homeowners/Renters Insurance
Comparison shopping is the key to getting the most for your insurance
dollar. The best time to shop for insurance is well before you renew your
current policy, you purchase a new house or you make a major addition to
your house.
Tips to follow when shopping:
Seek unbiased information . In addition to referring to this insurance rate
guide, you also may seek information from consumer groups, consumer
publications (e.g. Consumer Reports) and the Internet.
Do comparison shopping:
Contact several insurers or insurance producers
(also known as agents or brokers). Also, ask your relatives and friends for
recommendations. In addition, some banks, employers, and special interest
groups offer insurance directly to their members.
Ask for price quotes. In order to make an "apples-to-apples" price
comparison, you must provide the same information to each insurer or
insurance producer. Typical questions relate to the construction and
description of your house, the distance from fire department and hydrant,
the use of security devices, and the coverages and limits desired. One
insurance group often includes many insurers (not just the ones listed in
our guide). The rates and/or underwriting requirements may be different
for each. Ask the insurance producer about other insurers in the group.
Ask for discounts: Again, to help keep rates down, ask what discounts the
insurer offers. For example, premium reductions may be granted if you
buy your homeowners and auto insurance from the same insurer, or if you
install security systems and smoke detectors. Some insurers offer discounts
to senior citizens, members of groups or associations, and non-smokers.
Ask about deductibles: A deductible is the amount you agree to be
responsible for in the event of damage to your house (e.g. wind, hail,
accident, fire, or vandalism). If you select a high deductible, you pay
more out-of-pocket for any damage. However, your premium should be
lower. Some insurers have a different deductible for the water and sewer
endorsement than the deductible that applies to other claims.
1
How to Shop for Homeowners/Renters Insurance
Things to Consider
What Factors Impact Rates
How to Use This Guide
Definitions
Scenario Descriptions
Comparison Worksheet
Rate Comparisons
11
22
Things to Consider:
Do not cancel your policy until a replacement policy is in effect.
Ask about policy riders or personal article floaters to cover items like
fine china, furs, jewelry, computers, antiques, and other items that
exceed normal limits in your insurance policy.
Homeowners/Renters insurance policies typically do NOT include
flood insurance. If you live in a flood area or if you want this coverage,
be sure to ask about this coverage for Building Coverage and Contents
Coverage, as they are two separate coverages.
Required Offers:
The insurer must offer a provision to its policy to cover damage from water
backing up through sewers and drains; however, you are not required to
purchase this endorsement. Some insurers may automatically provide this
coverage as a part of your policy.
Protect yourself from insurance fraud:
Once you have selected the insurer, contact the Maryland Insurance
Administration (MIA) to verify that the insurance producer and/or insurer
is licensed to sell insurance in Maryland. It is illegal for unlicensed insurers
and insurance producers to sell insurance in Maryland. You can get this
information on the MIA website, www.insurance.maryland.gov, under Company
and Producer Search.
Financing Insurance:
Not everyone can afford to pay their insurance premiums up
front. Therefore, many insurers offer installment plans.
In addition, your premium may also be financed by a
premium finance company, which finances premiums in
exchange for a consumer's agreement to pay interest and
service fees.
What Factors Impact Rates:
When applying for homeowners/renters insurance, insurers evaluate
your risk and the likelihood you will file a claim. This is referred to as
underwriting a risk. Once your level of risk has been determined, the
insurer will group you with policyholders that have similar risk
characteristics. Then, the insurer will assign a rate based on the claims
history for your risk group. Some of the factors that are considered are:
Territory – Typically, the county in which you live.
Type of Construction: - Frame, Masonry , etc.
Age of Your Dwelling - The year the house was built.
Fire Protection Class – Distance from a fire hydrant and the quality of
your local fire department
Insurers are NOT allowed to use your credit history as reason to
refuse to provide you coverage, cancel your policy or determine
your premium.
2
For more detailed information about shopping for homeowners
or renters insurance, please refer to the MIA’s Consumer Guide
to Homeowners Insurance or Why Renters Insurance Is A Good
Idea. These are available on our website,
www.insurance.maryland.gov, or they may be requested by
calling the MIA at 410-468-2000 or 800-492-6116.
33
How to Use this Guide
Rates in this guide are based on an annual policy under Special Form
HO-3, which offers a broad range of homeowners coverages, or renter
or condominium policies. There are other plans of property and liability
coverages, optional coverages and deductible amounts available.
• Refer to the region you wish to compare (i.e. Western
Maryland, Washington D.C. Suburbs, Southern Maryland,
Greater Baltimore Suburban Area, or Eastern Shore (w/o
Cecil).
• Determine which zip code listed is closest to where you live.
• For homeowners, choose a home value and a scenario that
most closely reflects your situation.
• Compare the insurers and rates provided for that scenario.
Remember . . .
• Discuss options with your insurer or insurance producer.
• The rates provided are based on a one-year policy.
• In this guide, the dollar values represent “insured for” values.
• Because individual circumstances vary, this guide does not provide your
exact rate for any insurer. Citizens may pay actual premiums less than
or greater than the amounts provided in this guide.
• Insurers use additional information in pricing insurance which are not
reflected in these scenarios. The premiums shown in this guide are
provided by the carriers.
• If you want to identify how your final premium was determined, you
should contact your insurer or insurance producer.
RATES AND AVAILABILITY ARE SUBJECT TO CHANGE BY
THE INSURERS.
3
44
Definitions
Best Protection Class: The shortest distance from a fire hydrant and/or
local fire department.
Condominium: A dwelling unit in a multiple-unit building which is
individually owned under a separate title. The unit owner also has an
ownership interest in the common areas and facilities.
Condominium Policy: A policy providing property coverage and
liability coverage for the owner-occupant of a condominium unit.
Coverage C Amount: The amount of coverage for personal property.
Frame: A dwelling constructed of framing covered by aluminum or plastic
siding.
Homeowners Policy: A policy providing property coverage and liability
coverage for the owner-occupant of a dwelling.
Home Value: Amount of dwelling coverage.
Loss Assessment Coverage (Section I – Property): Coverage for a
unit-owner’s share of an assessment against all unit owner’s by the
condominium association for a direct loss to property owned collectively
by the association caused by a peril that would be covered if the property
were owned by you.
Loss Assessment Coverage (Section II – Liability): Coverage for
your share of a loss assessment charged against you, as the owner or
tenant of your unit, by the condominium association resulting from a
covered liability claim for bodily injury or property damage. This includes
a covered act of a director, officer or trustee of the condominium
association that is not paid for exercising duties solely on behalf of the
condominium association.
Masonry: A dwelling constructed of masonry (brick, stone) or
masonry veneer.
Personal Liability: Coverage for defense and damages if a claim or suit
is brought against the insured because of bodily injury or property
damage. Coverage is provided for the insured's premises and extends to
the personal (non-business) activities of the insured.
Renters Policy: A policy providing personal property coverage and
liability coverage for the tenant-occupant of a rental dwelling.
Replacement Cost- Contents (also Replacement Cost- Coverage C):
Insurance under which the loss payable is equal to the restoration cost of
the property new. This excess amount over the depreciate value is
payable only if the property is actually replaced.
Special Form HO-3: A policy providing coverage for all types of
physical damage except those damages that are specifically named in the
policy as being excluded. Examples of excluded conditions are wear and
tear and damage caused by vermin, rust, mold, deterioration, and
depreciation.
Water & Sewer Endorsement: An endorsement to a policy that
provides coverage for water damage caused by or resulting from water
that backs up through sewers or drains and is not caused by the
negligence of the insured. Some insurers have a different
deductible for the water and sewer endorsement than the deductible that
applies to other claims.
4
Homeowners Policy Scenario 1
Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible,
water & sewer endorsement, $100,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only.
County/City Town/City Zip Code
Home Value Construction
Protection
Class* Deductible
Age of Home
(in years)
Water/Sewer
Backup Limit
Auto/Home
Discount Liability
Allegany Cumberland 21502 $118,800 Frame 5 $500 45 $10,000 No $100,000
Anne Arundel Annapolis 21401 $338,500 Frame 5 $500 35 $10,000 No $100,000
Anne Arundel Pasadena 21122 $338,500 Frame 5 $500 35 $10,000 No $100,000
Baltimore Dundalk 21222 $246,900 Frame 5 $500 35 $10,000 No $100,000
Baltimore Owings Mills 21117 $246,900 Frame 5 $500 55 $10,000 No $100,000
Baltimore City Hamilton 21214 $153,000 Frame 1 $500 75 $10,000 No $100,000
Baltimore City Waverly 21218 $153,000 Frame 1 $500 75 $10,000 No $100,000
Calvert Lusby 20657 $344,300 Frame 5 $500 35 $10,000 No $100,000
Caroline Denton 21629 $192,600 Frame 5 $500 35 $10,000 No $100,000
Carroll Sykesville 21784 $324,300 Frame 5 $500 45 $10,000 No $100,000
Cecil Elkton 21921 $239,900 Frame 5 $500 35 $10,000 No $100,000
Charles Waldorf 20603 $287,600 Frame 5 $500 35 $10,000 No $100,000
Dorchester Cambridge 21613 $188,100 Frame 5 $500 75 $10,000 No $100,000
Frederick Frederick 21701 $306,100 Frame 5 $500 35 $10,000 No $100,000
Garrett Oakland 21550 $169,400 Frame 5 $500 35 $10,000 No $100,000
Harford Bel Air 21014 $278,100 Frame 5 $500 35 $10,000 No $100,000
Howard Columbia 21044 $434,700 Frame 5 $500 35 $10,000 No $100,000
Kent Chestertown 21620 $238,800 Frame 5 $500 35 $10,000 No $100,000
Montgomery Gaithersburg 20878 $460,100 Frame 5 $500 45 $10,000 No $100,000
Montgomery Silver Spring 20906 $460,100 Frame 5 $500 45 $10,000 No $100,000
Prince George's Fort Washington 20744 $261,400 Frame 5 $500 45 $10,000 No $100,000
Prince George's Hyattsville 20783 $261,400 Frame 5 $500 45 $10,000 No $100,000
Queen Anne's Stevensville 21666 $343,900 Frame 5 $500 45 $10,000 No $100,000
Saint Mary's Mechanicsville 20659 $295,900 Frame 5 $500 35 $10,000 No $100,000
Somerset Princess Anne 21853 $131,800 Frame 5 $500 75 $10,000 No $100,000
Talbot Easton 21601 $320,500 Frame 5 $500 75 $10,000 No $100,000
Washington Hagerstown 21740 $198,900 Frame 5 $500 75 $10,000 No $100,000
Wicomico Salisbury 21804 $173,100 Frame 5 $500 35 $10,000 No $100,000
Worcester Berlin 21811 $243,600 Frame 5 $500 45 $10,000 No $100,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
5
Homeowners Policy Scenario 2
Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible,
water & sewer endorsement, $100,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only.
County/City Town/City Zip Code
Home Value Construction
Protection
Class* Deductible
Age of Home
(in years)
Water/Sewer
Backup Limit
Auto/Home
Discount Liability
Allegany Cumberland 21502 $118,800 Frame 5 $500 35 $15,000 Yes $100,000
Anne Arundel Annapolis 21401 $338,500 Frame 5 $500 25 $15,000 Yes $100,000
Anne Arundel Pasadena 21122 $338,500 Frame 5 $500 25 $15,000 Yes $100,000
Baltimore Dundalk 21222 $246,900 Frame 5 $500 45 $15,000 Yes $100,000
Baltimore Owings Mills 21117 $246,900 Frame 5 $500 45 $15,000 Yes $100,000
Baltimore City Hamilton 21214 $153,000 Frame 1 $500 65 $15,000 Yes $100,000
Baltimore City Waverly 21218 $153,000 Frame 1 $500 65 $15,000 Yes $100,000
Calvert Lusby 20657 $344,300 Frame 5 $500 25 $15,000 Yes $100,000
Caroline Denton 21629 $192,600 Frame 5 $500 25 $15,000 Yes $100,000
Carroll Sykesville 21784 $324,300 Frame 5 $500 35 $15,000 Yes $100,000
Cecil Elkton 21921 $239,900 Frame 5 $500 25 $15,000 Yes $100,000
Charles Waldorf 20603 $287,600 Frame 5 $500 25 $15,000 Yes $100,000
Dorchester Cambridge 21613 $188,100 Frame 5 $500 65 $15,000 Yes $100,000
Frederick Frederick 21701 $306,100 Frame 5 $500 25 $15,000 Yes $100,000
Garrett Oakland 21550 $169,400 Frame 5 $500 25 $15,000 Yes $100,000
Harford Bel Air 21014 $278,100 Frame 5 $500 25 $15,000 Yes $100,000
Howard Columbia 21044 $434,700 Frame 5 $500 25 $15,000 Yes $100,000
Kent Chestertown 21620 $238,800 Frame 5 $500 25 $15,000 Yes $100,000
Montgomery Gaithersburg 20878 $460,100 Frame 5 $500 35 $15,000 Yes $100,000
Montgomery Silver Spring 20906 $460,100 Frame 5 $500 35 $15,000 Yes $100,000
Prince George's Fort Washington 20744 $261,400 Frame 5 $500 35 $15,000 Yes $100,000
Prince George's Hyattsville 20783 $261,400 Frame 5 $500 35 $15,000 Yes $100,000
Queen Anne's Stevensville 21666 $343,900 Frame 5 $500 35 $15,000 Yes $100,000
Saint Mary's Mechanicsville 20659 $295,900 Frame 5 $500 25 $15,000 Yes $100,000
Somerset Princess Anne 21853 $131,800 Frame 5 $500 65 $15,000 Yes $100,000
Talbot Easton 21601 $320,500 Frame 5 $500 65 $15,000 Yes $100,000
Washington Hagerstown 21740 $198,900 Frame 5 $500 65 $15,000 Yes $100,000
Wicomico Salisbury 21804 $173,100 Frame 5 $500 25 $15,000 Yes $100,000
Worcester Berlin 21811 $243,600 Frame 5 $500 35 $15,000 Yes $100,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
6
Homeowners Policy Scenario 3
Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $1000 deductible,
water & sewer endorsement, $300,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only.
County/City Town/City Zip Code
Home Value Construction
Protection
Class* Deductible
Age of Home
(in years)
Water/Sewer
Backup Limit
Auto/Home
Discount Liability
Allegany Cumberland 21502 $118,800 Frame 5 $1,000 15 $20,000 Yes $300,000
Anne Arundel Annapolis 21401 $338,500 Frame 5 $1,000 10 $20,000 Yes $300,000
Anne Arundel Pasadena 21122 $338,500 Frame 5 $1,000 10 $20,000 Yes $300,000
Baltimore Dundalk 21222 $246,900 Frame 5 $1,000 15 $20,000 Yes $300,000
Baltimore Owings Mills 21117 $246,900 Frame 5 $1,000 15 $20,000 Yes $300,000
Baltimore City Hamilton 21214 $153,000 Frame 1 $1,000 15 $20,000 Yes $300,000
Baltimore City Waverly 21218 $153,000 Frame 1 $1,000 15 $20,000 Yes $300,000
Calvert Lusby 20657 $344,300 Frame 5 $1,000 10 $20,000 Yes $300,000
Caroline Denton 21629 $192,600 Frame 5 $1,000 10 $20,000 Yes $300,000
Carroll Sykesville 21784 $324,300 Frame 5 $1,000 15 $20,000 Yes $300,000
Cecil Elkton 21921 $239,900 Frame 5 $1,000 10 $20,000 Yes $300,000
Charles Waldorf 20603 $287,600 Frame 5 $1,000 10 $20,000 Yes $300,000
Dorchester Cambridge 21613 $188,100 Frame 5 $1,000 15 $20,000 Yes $300,000
Frederick Frederick 21701 $306,100 Frame 5 $1,000 10 $20,000 Yes $300,000
Garrett Oakland 21550 $169,400 Frame 5 $1,000 10 $20,000 Yes $300,000
Harford Bel Air 21014 $278,100 Frame 5 $1,000 10 $20,000 Yes $300,000
Howard Columbia 21044 $434,700 Frame 5 $1,000 10 $20,000 Yes $300,000
Kent Chestertown 21620 $238,800 Frame 5 $1,000 10 $20,000 Yes $300,000
Montgomery Gaithersburg 20878 $460,100 Frame 5 $1,000 15 $20,000 Yes $300,000
Montgomery Silver Spring 20906 $460,100 Frame 5 $1,000 15 $20,000 Yes $300,000
Prince George's Fort Washington 20744 $261,400 Frame 5 $1,000 15 $20,000 Yes $300,000
Prince George's Hyattsville 20783 $261,400 Frame 5 $1,000 15 $20,000 Yes $300,000
Queen Anne's Stevensville 21666 $343,900 Frame 5 $1,000 15 $20,000 Yes $300,000
Saint Mary's Mechanicsville 20659 $295,900 Frame 5 $1,000 10 $20,000 Yes $300,000
Somerset Princess Anne 21853 $131,800 Frame 5 $1,000 15 $20,000 Yes $300,000
Talbot Easton 21601 $320,500 Frame 5 $1,000 15 $20,000 Yes $300,000
Washington Hagerstown 21740 $198,900 Frame 5 $1,000 15 $20,000 Yes $300,000
Wicomico Salisbury 21804 $173,100 Frame 5 $1,000 10 $20,000 Yes $300,000
Worcester Berlin 21811 $243,600 Frame 5 $1,000 15 $20,000 Yes $300,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
7
Homeowners Policy Scenario 4
Rates provided by insurers in this scenario assume the following: masonry construction, replacement cost including contents, $1000 deductible,
water & sewer endorsement, $300,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only.
County/City Town/City Zip Code
Home Value Construction
Protection
Class* Deductible
Age of Home
(in years)
Water/Sewer
Backup Limit
Auto/Home
Discount Liability
Allegany Cumberland 21502 $118,800 Masonry 5 $1,000 25 $75,000 Yes $300,000
Anne Arundel Annapolis 21401 $338,500 Masonry 5 $1,000 15 $75,000 Yes $300,000
Anne Arundel Pasadena 21122 $338,500 Masonry 5 $1,000 15 $75,000 Yes $300,000
Baltimore Dundalk 21222 $246,900 Masonry 5 $1,000 35 $75,000 Yes $300,000
Baltimore Owings Mills 21117 $246,900 Masonry 5 $1,000 35 $75,000 Yes $300,000
Baltimore City Hamilton 21214 $153,000 Masonry 1 $1,000 55 $75,000 Yes $300,000
Baltimore City Waverly 21218 $153,000 Masonry 1 $1,000 55 $75,000 Yes $300,000
Calvert Lusby 20657 $344,300 Masonry 5 $1,000 15 $75,000 Yes $300,000
Caroline Denton 21629 $192,600 Masonry 5 $1,000 15 $75,000 Yes $300,000
Carroll Sykeville 21784 $324,300 Masonry 5 $1,000 25 $75,000 Yes $300,000
Cecil Elkton 21921 $239,900 Masonry 5 $1,000 15 $75,000 Yes $300,000
Charles Waldorf 20603 $287,600 Masonry 5 $1,000 15 $75,000 Yes $300,000
Dorchester Cambridge 21613 $188,100 Masonry 5 $1,000 55 $75,000 Yes $300,000
Frederick Frederick 21701 $306,100 Masonry 5 $1,000 15 $75,000 Yes $300,000
Garrett Oakland 21550 $169,400 Masonry 5 $1,000 15 $75,000 Yes $300,000
Harford Bel Air 21014 $278,100 Masonry 5 $1,000 15 $75,000 Yes $300,000
Howard Columbia 21044 $434,700 Masonry 5 $1,000 15 $75,000 Yes $300,000
Kent Chestertown 21620 $238,800 Masonry 5 $1,000 15 $75,000 Yes $300,000
Montgomery Gaithersburg 20878 $460,100 Masonry 5 $1,000 25 $75,000 Yes $300,000
Montgomery Silver Spring 20906 $460,100 Masonry 5 $1,000 25 $75,000 Yes $300,000
Prince George's Fort Washington 20744 $261,400 Masonry 5 $1,000 25 $75,000 Yes $300,000
Prince George's Hyattsville 20783 $261,400 Masonry 5 $1,000 25 $75,000 Yes $300,000
Queen Anne's Stevensville 21666 $343,900 Masonry 5 $1,000 25 $75,000 Yes $300,000
Saint Mary's Mechanicsville 20659 $295,900 Masonry 5 $1,000 15 $75,000 Yes $300,000
Somerset Princess Anne 21853 $131,800 Masonry 5 $1,000 55 $75,000 Yes $300,000
Talbot Easton 21601 $320,500 Masonry 5 $1,000 55 $75,000 Yes $300,000
Washington Hagerstown 21740 $198,900 Masonry 5 $1,000 55 $75,000 Yes $300,000
Wicomico Salisbury 21804 $173,100 Masonry 5 $1,000 15 $75,000 Yes $300,000
Worcester Berlin 21811 $243,600 Masonry 5 $1,000 25 $75,000 Yes $300,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
8
Condominium Policy Scenario 5
Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible,
water & sewer endorsement, and assume a Loss Assessment of $5000. Note: ZIP codes are for sampling purposes only.
County/City Town/City Zip Code
Coverage C
Amount Construction
Protection
Class* Deductible
Age of Home
(in years)
Water/Sewer
Backup Limit
Auto/Home
Discount Liability
Allegany Cumberland 21502 $100,000 Frame 5 $500 15 $20,000 Yes $100,000
Anne Arundel Annapolis 21401 $100,000 Frame 5 $500 15 $20,000 Yes $100,000
Anne Arundel Pasadena 21122 $100,000 Frame 5 $500 15 $20,000 Yes $100,000
Baltimore Dundalk 21222 $100,000 Frame 5 $500 15 $20,000 Yes $100,000
Baltimore Owings Mills 21117 $100,000 Frame 5 $500 15 $20,000 Yes $100,000
Baltimore City Hamilton 21214 $100,000 Frame 1 $500 15 $20,000 Yes $300,000
Baltimore City Waverly 21218 $100,000 Frame 1 $500 15 $20,000 Yes $300,000
Calvert Lusby 20657 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
Caroline Denton 21629 $100,000 Frame 5 $500 15 $20,000 Yes $100,000
Carroll Sykesville 21784 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
Cecil Elkton 21921 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
Charles Waldorf 20603 $100,000 Frame 5 $500 15 $20,000 Yes $300,000
Dorchester Cambridge 21613 $75,000 Frame 5 $500 15 $20,000 Yes $300,000
Frederick Frederick 21701 $100,000 Frame 5 $500 15 $20,000 Yes $300,000
Garrett Oakland 21550 $75,000 Frame 5 $500 15 $20,000 Yes $300,000
Harford Bel Air 21014 $75,000 Frame 5 $500 15 $20,000 Yes $300,000
Howard Columbia 21044 $75,000 Frame 5 $500 15 $20,000 Yes $300,000
Kent Chestertown 21620 $75,000 Frame 5 $500 15 $20,000 Yes $300,000
Montgomery Gaithersburg 20878 $125,000 Frame 5 $500 15 $20,000 Yes $300,000
Montgomery Silver Spring 20906 $125,000 Frame 5 $500 15 $20,000 Yes $300,000
Prince George's Fort Washington 20744 $100,000 Frame 5 $500 15 $20,000 Yes $300,000
Prince George's Hyattsville 20783 $100,000 Frame 5 $500 15 $20,000 Yes $300,000
Queen Anne's Stevensville 21666 $50,000 Frame 5 $500 15 $20,000 Yes $100,000
Saint Mary's Mechanicsville 20659 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
Somerset Princess Anne 21853 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
Talbot Easton 21601 $50,000 Frame 5 $500 15 $20,000 Yes $100,000
Washington Hagerstown 21740 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
Wicomico Salisbury 21804 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
Worcester Berlin 21811 $75,000 Frame 5 $500 15 $20,000 Yes $100,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
9
Renters Policy Scenario 6
Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible.
Note: ZIP codes are for sampling purposes only.
County/City Town/City Zip Code
Coverage C
Amount Construction
Protection
Class* Deductible
Age of Home
(in years)
Water/Sewer
Backup Limit
Auto/Home
Discount Liability
Allegany Cumberland 21502 $50,000 Frame 5 $500 n/a n/a No $100,000
Anne Arundel Annapolis 21401 $50,000 Frame 5 $500 n/a n/a No $100,000
Anne Arundel Pasadena 21122 $50,000 Frame 5 $500 n/a n/a No $100,000
Baltimore Dundalk 21222 $50,000 Frame 5 $500 n/a n/a No $100,000
Baltimore Owings Mills 21117 $50,000 Frame 5 $500 n/a n/a No $100,000
Baltimore City Hamilton 21214 $50,000 Frame 1 $500 n/a n/a No $100,000
Baltimore City Waverly 21218 $50,000 Frame 1 $500 n/a n/a No $100,000
Calvert Lusby 20657 $50,000 Frame 5 $500 n/a n/a No $100,000
Caroline Denton 21629 $50,000 Frame 5 $500 n/a n/a No $100,000
Carroll Sykesville 21784 $50,000 Frame 5 $500 n/a n/a No $100,000
Cecil Elkton 21921 $50,000 Frame 5 $500 n/a n/a No $100,000
Charles Waldorf 20603 $75,000 Frame 5 $500 n/a n/a No $300,000
Dorchester Cambridge 21613 $75,000 Frame 5 $500 n/a n/a No $300,000
Frederick Frederick 21701 $75,000 Frame 5 $500 n/a n/a No $300,000
Garrett Oakland 21550 $75,000 Frame 5 $500 n/a n/a No $300,000
Harford Bel Air 21014 $75,000 Frame 5 $500 n/a n/a No $300,000
Howard Columbia 21044 $75,000 Frame 5 $500 n/a n/a No $300,000
Kent Chestertown 21620 $75,000 Frame 5 $500 n/a n/a No $300,000
Montgomery Gaithersburg 20878 $75,000 Frame 5 $500 n/a n/a No $300,000
Montgomery Silver Spring 20906 $75,000 Frame 5 $500 n/a n/a No $300,000
Prince George's Fort Washington 20744 $75,000 Frame 5 $500 n/a n/a No $300,000
Prince George's Hyattsville 20783 $75,000 Frame 5 $500 n/a n/a No $300,000
Queen Anne's Stevensville 21666 $50,000 Frame 5 $500 n/a n/a No $100,000
Saint Mary's Mechanicsville 20659 $50,000 Frame 5 $500 n/a n/a No $100,000
Somerset Princess Anne 21853 $50,000 Frame 5 $500 n/a n/a No $100,000
Talbot Easton 21601 $50,000 Frame 5 $500 n/a n/a No $100,000
Washington Hagerstown 21740 $50,000 Frame 5 $500 n/a n/a No $100,000
Wicomico Salisbury 21804 $50,000 Frame 5 $500 n/a n/a No $100,000
Worcester Berlin 21811 $50,000 Frame 5 $500 n/a n/a No $100,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
10
Shopping for Homeowners/Renters Insurance -
Insurer/Policy Comparison Worksheet
If you are shopping for homeowners/renters insurance, you may use this worksheet to help gather information about
insurers and the insurance policies they sell. You may call an insurance producer or the insurer for a rate quote.
Insurer Name
→
Telephone number
Financing rating
Insurer licensed (Yes/No)
Type of policy (HO-2, HO-3
amended, HO-4, HO-6, etc.)
Replacement Cost (RC) or Actual
Cash Value (ACV):
Dwelling:
If RC, any exceptions, if so list:
Contents:
If RC, any exceptions, if so list:
Deductible(s) (Does the policy have
different deductibles for damage caused
by hurricane or other storm?)
All perils: Flat $ or %
Hurricanes or other storms: Flat $ or %
Others?:
Discounts offered
Annual premium
11
COVERAGE COMPARISON (Coverages vary by policy. Make sure you get the coverage you need!)
Dwelling
Other buildings
Personal Property
Loss of Use
Liability
Medical Payments
Fire or lightening
Windstorm or hail
Explosion
Smoke
Sudden and accidental leaking from
plumbing, heating, air conditioning
Rain through damaged roof,
windows, doors
Backup of sewers, drains
Freezing of plumbing or heating
systems
Mold and/or mold remediation
Falling objects, including trees
Weight of ice, sleet, snow
Vehicles
Animals
Construction defects
Vandalism, malicious mischief
COVERAGE LIMITSPOLICY COVERS DAMAGE FROM (YES/NO)
12
Debris removal
Tree removal
Damage to foundation or slab
Fire department service charge
Trees, shrubs or other plants
Property removed
Credit card, fund transfer card,
forgery and counterfeit money
Loss assessment
Collapse of building
Glass breakage – dwelling
Flood coverage**
ADDITIONAL PROPERTY COVERAGESPOLICY EXCLUDES
**Homeowners policies typically do not cover damage from floods. The National Flood Insurance Program
provides flood insurance in many areas. For more information, or to find an insurance producer near you,
visit www.oodsmart.gov.
13
Additional limits of liability for
Coverages A, B, C and D.
Special computer coverage
Theft coverage increase
Ofce, permitted incidental
occupancies (residence premises)
Ination guard
Building additions and alterations
Credit card, electronic fund transfer
card, or access device forgery and
counterfeit money coverage
Earthquake
Scheduled personal property
Coverage C increased special limits
of liability
Ordinance or law coverage
Refrigerated property coverage
Sinkhold coverage
Functional replacement cost loss
settlement
Home business insurance coverage
Incidental low power recreational
"motor vehicles"
Snowmobile
Business pursuits
Incidental farming personal liability
Watercraft
Personal injury
LIST OF OPTIONAL INSURANCE COVERAGES THAT ARE AVAILABLE BY ENDORSEMENT
14
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502
20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
AIG Property Casualty Company 954 1727 1561 1201 1999 1990
Allstate Vehicle and Property Insurance Co. 1371 2848 2223 1669 2871 2993
American Bankers Insurance Co. of FL 841 2403 1248 1033 1406 1336
American Economy Insurance Co. 1814 3175 2628 1932 2696 2830
American National Property & Casualty Co. 861 2430 2028 971 1969 1989
American Security Insurance Co. 999 2850 2660 1415 3875 3875
American Strategic Insurance Corp. 825 3261 1879 1158 2167 2455
Amica Mutual Insurance Co. 1226 3061 2570 1429 2893 2893
Berkley Insurance Co. 473 1782 1496 632 1457 1436
Branch Insurance Exchange 1243 2571 2018 1469 2607 2692
Brethren Mutual Insurance Co. n/a 1732 1589 750 1363 1363
Chubb National Insurance Co. 747 2815 2352 1122 2869 3032
Cincinnati Casualty Co. 775 2333 1648 876 1903 1986
Cincinnati Insurance Co. 920 2684 2074 1319 2873 2873
CSAA General Insurance Co. 704 2968 2496 876 2437 2121
Cumberland Mutual Fire Insurance Co. n/a 1887 1485 n/a 1748 1748
Encompass Home/Auto Insurance Co. 2239 n/a 5446 2977 9006 9006
Erie Insurance Co. 584 1641 1538 1009 1969 1634
Everett Cash Mutual Insurance Co. 581 1457 1236 765 1912 1912
Farmers Group Property & Casualty Ins. Co. 1493 4156 3495 1958 4609 4609
Farmers Insurance Exchange 1487 4039 2627 1725 3467 3646
Farmers Mutual Fire Ins. Co. of Salem Cnty. 788 1466 1250 1025 1625 1482
Farmers Property & Casualty Insurance Co. 1296 3952 3308 1692 4406 4406
Federal Insurancec Co. 780 2962 2473 1174 3232 3424
Garrison Property & Casualty Ins. Co. 1655 3983 2891 2002 2936 3195
Hartford Fire Insurance Co. 815 1553 1520 1290 1650 1616
Homesite Insurance Co. 1859 2324 2200 2115 2025 1965
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
15
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744
20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
AIG Property Casualty Company 1260 1512 1551 1236
Allstate Vehicle and Property Insurance Co. 2554 1892 2494 1596
American Bankers Insurance Co. of FL 1655 1164 1859 1306
American Economy Insurance Co. 2685 2857 2710 1987
American National Property & Casualty Co. 1711 1590 1657 1046
American Security Insurance Co. 2212 2212 2736 1748
American Strategic Insurance Corp. 1785 1942 1938 1572
Amica Mutual Insurance Co. 2347 2347 2637 1547
Berkley Insurance Co. 978 968 1537 741
Branch Insurance Exchange 2747 1737 2309 1520
Brethren Mutual Insurance Co. 1628 1477 1621 1057
Chubb National Insurance Co. 1795 1795 2419 1183
Cincinnati Casualty Co. 2016 1601 1490 966
Cincinnati Insurance Co. 2013 2013 1875 1330
CSAA General Insurance Co. 2290 2070 2715 923
Cumberland Mutual Fire Insurance Co. n/a n/a 1529 n/a
Encompass Home/Auto Insurance Co. 5817 5806 n/a 3162
Erie Insurance Co. 1603 1238 1464 922
Everett Cash Mutual Insurance Co. 1133 1133 1267 891
Farmers Group Property & Casualty Ins. Co. 3918 3918 3574 2232
Farmers Insurance Exchange 3249 3424 3614 1672
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1449 1222 1110 642
Farmers Property & Casualty Insurance Co. 3236 3236 3395 1952
Federal Insurancec Co. 2014 2014 2544 1240
Garrison Property & Casualty Ins. Co. 3085 2634 2921 1936
Hartford Fire Insurance Co. 1604 1377 1452 1029
Homesite Insurance Co. 2180 2054 2228 1953
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
16
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502
20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
Horace Mann Insurance Co. 662 1652 1411 780 1739 1739
Lemonade Insurance Co. 831 2543 2017 1069 2064 2043
Liberty Mutual Insurance Co. 689 2064 1848 909 2478 2682
Lititz Mutual Insurance Co. 573 1888 1602 730 1542 1542
Mutual Benefit Insurance Co. 978 2166 1861 1241 3423 3423
Nationwide Insurance Co. of America 1246 3017 2548 1460 2635 2448
NGM Insurance Co. 717 2121 1880 983 2327 2327
NJM Insurance Co. 970 2016 1577 1217 1827 1922
Peerless Indemnity Insurance Co. 668 1974 1769 878 2368 2561
Penn National Insurance Co. 957 1610 1482 987 2038 2051
Praetorian Insurance Company 793 2830 2478 1082 2337 2337
Privilege Underwriters Reciprocal Exch. 2678 3372 3224 3123 4120 4120
Selective Ins. Co. of South Carolina 1143 3261 2894 1403 3172 3002
Southern Insurance Co. of VA 825 2168 1823 1072 1994 1902
Standard Guaranty Ins. Co. 1164 3326 3237 1649 4736 4736
Stillwater P & C Insurance Co. 814 2429 2238 958 2221 2223
Teachers Insurance Co. 581 1391 1190 683 1583 1583
Travelers Personal Insurance Co. 908 1573 1426 1115 1706 1595
United Services Automobile Association 1418 3520 2511 1716 2551 2762
Unitrin Safeguard Insurance Co. 611 1914 1291 773 1414 1632
Universal Property & Casualty Ins. Co. 539 1470 1231 632 1832 1832
USAA Casualty Insurance Co. 1335 3403 2380 1617 2412 2617
USAA General Indemnity Co. 1682 3929 2919 2036 2967 3228
Vault Reciprocal Exchange 2320 3299 3156 2702 4024 4024
Vigilant Insurance Co. 764 2899 2421 1149 2883 3045
Windsor Mt. Joy Mutual Insurance Co. 440 1267 1084 595 1532 1532
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
17
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744
20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
Horace Mann Insurance Co. 1357 1357 1446 895
Lemonade Insurance Co. 2385 1862 2124 1233
Liberty Mutual Insurance Co. 1870 1509 1814 1076
Lititz Mutual Insurance Co. 1635 1635 1653 872
Mutual Benefit Insurance Co. 2156 2156 1901 1197
Nationwide Insurance Co. of America 2351 2009 2595 1610
NGM Insurance Co. 1949 1949 1824 1137
NJM Insurance Co. 2042 1605 1450 1117
Peerless Indemnity Insurance Co. 1786 1444 1737 1034
Penn National Insurance Co. 1792 1873 1525 1243
Praetorian Insurance Company 2464 2464 2529 1673
Privilege Underwriters Reciprocal Exch. 3162 3162 3246 3382
Selective Ins. Co. of South Carolina 3180 2724 3044 1809
Southern Insurance Co. of VA 1889 1828 1968 1029
Standard Guaranty Ins. Co. 2702 2702 3330 1932
Stillwater P & C Insurance Co. 2461 2202 2372 1324
Teachers Insurance Co. 1277 1277 1220 782
Travelers Personal Insurance Co. 1711 1470 1500 1129
United Services Automobile Association 2660 2273 2539 1649
Unitrin Safeguard Insurance Co. 1411 1118 1257 865
Universal Property & Casualty Ins. Co. 1723 1723 1258 771
USAA Casualty Insurance Co. 2503 2141 2416 1562
USAA General Indemnity Co. 3120 2665 2934 1962
Vault Reciprocal Exchange 3089 3089 3177 2925
Vigilant Insurance Co. 1802 1802 2490 1215
Windsor Mt. Joy Mutual Insurance Co. 1000 1000 1111 753
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
18
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
AIG Property Casualty Company 871 1613 1463 1121 1808 1797
Allstate Vehicle and Property Insurance Co. 1043 2336 1805 1222 2322 2432
American Bankers Insurance Co. of FL 792 2108 1136 946 1333 1265
American Economy Insurance Co. 1728 2999 2413 1764 2622 2751
American National Property & Casualty Co. 807 2423 2010 952 2112 2130
American Security Insurance Co. 999 2527 2359 1256 3875 3875
American Strategic Insurance Corp. 846 3261 1855 1200 2172 2452
Amica Mutual Insurance Co. 1012 2436 2053 1167 2365 2365
Berkley Insurance Co. 438 1615 1358 581 1323 1304
Branch Insurance Exchange 1010 1900 1535 1118 2108 2170
Brethren Mutual Insurance Co. n/a 1393 1273 592 1120 1120
Chubb National Insurance Co. 715 2672 2234 1075 2731 2885
Cincinnati Casualty Co. 567 1836 1305 668 1567 1619
Cincinnati Insurance Co. 764 2175 1686 1084 2327 2327
CSAA General Insurance Co. 666 2826 2365 838 2190 1909
Cumberland Mutual Fire Insurance Co. n/a 1596 1222 n/a 1473 1473
Encompass Home/Auto Insurance Co. 1848 n/a 4447 2434 7357 7357
Erie Insurance Co. 442 1330 1224 776 1499 1261
Everett Cash Mutual Insurance Co. 581 1457 1236 765 1912 1912
Farmers Group Property & Casualty Ins. Co. 1295 3558 2996 1690 3943 3943
Farmers Insurance Exchange 1103 2752 1809 1202 2554 2685
Farmers Mutual Fire Ins. Co. of Salem Cnty. 753 1317 1173 933 1513 1384
Farmers Property & Casualty Insurance Co. 1087 3178 2664 1375 3638 3638
Federal Insurancec Co. 747 2811 2347 1125 3075 3259
Garrison Property & Casualty Ins. Co. 1610 3874 2836 1953 2872 3118
Hartford Fire Insurance Co. 723 1093 1075 910 1461 1434
Homesite Insurance Co. 1695 2099 1998 1915 1848 1796
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
19
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
AIG Property Casualty Company 1138 1364 1447 1133
Allstate Vehicle and Property Insurance Co. 2056 1523 1996 1231
American Bankers Insurance Co. of FL 1548 1100 1669 1250
American Economy Insurance Co. 2584 2755 2495 2028
American National Property & Casualty Co. 1701 1592 1683 1046
American Security Insurance Co. 2212 2212 2426 1748
American Strategic Insurance Corp. 1790 1941 1951 1605
Amica Mutual Insurance Co. 1924 1924 2106 1261
Berkley Insurance Co. 892 883 1395 679
Branch Insurance Exchange 2190 1415 1715 1207
Brethren Mutual Insurance Co. 1315 1192 1300 853
Chubb National Insurance Co. 1711 1711 2297 1109
Cincinnati Casualty Co. 1606 1248 1172 746
Cincinnati Insurance Co. 1639 1639 1528 1077
CSAA General Insurance Co. 2059 1865 2584 857
Cumberland Mutual Fire Insurance Co. n/a n/a 1290 n/a
Encompass Home/Auto Insurance Co. 4761 4750 n/a 2585
Erie Insurance Co. 1202 921 1144 746
Everett Cash Mutual Insurance Co. 1133 1133 1267 891
Farmers Group Property & Casualty Ins. Co. 3356 3356 3063 1923
Farmers Insurance Exchange 2394 2523 2471 1277
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1353 1147 1146 765
Farmers Property & Casualty Insurance Co. 2678 2678 2734 1625
Federal Insurancec Co. 1920 1920 2415 1161
Garrison Property & Casualty Ins. Co. 3008 2568 2844 1939
Hartford Fire Insurance Co. 1368 1198 1027 841
Homesite Insurance Co. 1982 1872 2019 1756
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
20
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
Horace Mann Insurance Co. 575 1416 1211 675 1490 1490
Lemonade Insurance Co. 783 2309 1840 994 1883 1865
Liberty Mutual Insurance Co. 612 1789 1607 798 2152 2237
Lititz Mutual Insurance Co. 1579 1009 1069 1077 1542 1635
Mutual Benefit Insurance Co. 805 1851 1592 1065 2784 2784
Nationwide Insurance Co. of America 932 2223 1887 1071 1997 1896
NGM Insurance Co. 574 1697 1504 786 1861 1861
NJM Insurance Co. 807 1557 1243 968 1458 1522
Peerless Indemnity Insurance Co. 596 1715 1539 772 2060 2139
Penn National Insurance Co. 716 1195 1105 748 1475 1484
Praetorian Insurance Company 715 2547 2230 974 2103 2103
Privilege Underwriters Reciprocal Exch. 2550 3102 2967 2873 3920 3920
Selective Ins. Co. of South Carolina 875 2551 2264 1102 2378 2255
Southern Insurance Co. of VA 660 1605 1376 791 1597 1521
Standard Guaranty Ins. Co. 1164 3326 3237 1649 4736 4736
Stillwater P & C Insurance Co. 819 2380 2242 963 2188 2190
Teachers Insurance Co. 506 1195 1024 592 1358 1358
Travelers Personal Insurance Co. 809 1337 1232 904 1586 1476
United Services Automobile Association 1383 3428 2465 1676 2500 2701
Unitrin Safeguard Insurance Co. 543 1622 1110 668 1239 1417
Universal Property & Casualty Ins. Co. 522 1495 1255 657 1697 1697
USAA Casualty Insurance Co. 1302 3319 2341 1584 2363 2557
USAA General Indemnity Co. 1636 3824 2866 1989 2904 3152
Vault Reciprocal Exchange 2210 3141 3004 2574 3829 3829
Vigilant Insurance Co. 732 2752 2298 1101 2745 2897
Windsor Mt. Joy Mutual Insurance Co. 487 1314 1131 642 1579 1579
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
21
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
Horace Mann Insurance Co. 1165 1165 1241 773
Lemonade Insurance Co. 2171 1703 1936 1124
Liberty Mutual Insurance Co. 1601 1280 1535 1003
Lititz Mutual Insurance Co. 1635 1592 807 937
Mutual Benefit Insurance Co. 1758 1758 1626 1028
Nationwide Insurance Co. of America 1781 1500 1918 1198
NGM Insurance Co. 1560 1560 1459 909
NJM Insurance Co. 1605 1282 1136 937
Peerless Indemnity Insurance Co. 1534 1231 1471 968
Penn National Insurance Co. 1299 1353 1134 914
Praetorian Insurance Company 2218 2218 2276 1506
Privilege Underwriters Reciprocal Exch. 3010 3010 2986 3219
Selective Ins. Co. of South Carolina 2420 2078 2381 1376
Southern Insurance Co. of VA 1509 1467 1465 785
Standard Guaranty Ins. Co. 2702 2702 3330 1932
Stillwater P & C Insurance Co. 2404 2177 2361 1315
Teachers Insurance Co. 1097 1097 1049 677
Travelers Personal Insurance Co. 1563 1348 1270 974
United Services Automobile Association 2600 2222 1165 1165
Unitrin Safeguard Insurance Co. 1214 962 2171 1703
Universal Property & Casualty Ins. Co. 1598 1598 1601 1280
USAA Casualty Insurance Co. 2445 2091 1635 1592
USAA General Indemnity Co. 3044 2600 1758 1758
Vault Reciprocal Exchange 2941 2941 1781 1500
Vigilant Insurance Co. 1718 1718 1560 1560
Windsor Mt. Joy Mutual Insurance Co. 1047 1047 1605 1282
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
22
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
AIG Property Casualty Company 1447 1455 1088 1088 1025 1217
Allstate Vehicle and Property Insurance Co. 1754 1633 1205 1203 1378 1555
American Bankers Insurance Co. of FL 1182 1019 1395 1269 1023 1031
American Economy Insurance Co. 1824 1567 1674 1725 1710 1959
American National Property & Casualty Co. 1488 1503 1017 1017 1269 1314
American Security Insurance Co. 2185 2185 1094 1094 1737 1737
American Strategic Insurance Corp. 1702 1514 1231 1306 1710 1761
Amica Mutual Insurance Co. 1642 1642 1180 1180 1431 1431
Berkley Insurance Co. 970 1003 573 573 699 777
Branch Insurance Exchange 1624 1524 1166 1166 1238 1571
Brethren Mutual Insurance Co. 916 834 821 780 919 793
Chubb National Insurance Co. 2060 2060 1018 1018 1507 1491
Cincinnati Casualty Co. 1404 1199 1075 1089 1071 1442
Cincinnati Insurance Co. 1520 1520 1215 1215 1462 1462
CSAA General Insurance Co. 1309 1394 929 917 1364 1233
Cumberland Mutual Fire Insurance Co. 1023 1023 n/a n/a n/a n/a
Encompass Home/Auto Insurance Co. 4820 5054 2758 2754 3118 4112
Erie Insurance Co. 1440 1176 828 775 743 977
Everett Cash Mutual Insurance Co. 1275 1275 723 723 1052 1052
Farmers Group Property & Casualty Ins. Co. 3494 3494 1567 1567 2870 3104
Farmers Insurance Exchange 1647 1600 1622 1553 1397 1658
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1255 1112 953 941 917 1014
Farmers Property & Casualty Insurance Co. 2973 2973 1246 1246 2088 2567
Federal Insurancec Co. 2159 2159 1119 1119 1681 1653
Garrison Property & Casualty Ins. Co. 2339 2132 1651 1672 1917 2144
Hartford Fire Insurance Co. 951 864 596 789 805 857
Homesite Insurance Co. 1791 1661 1758 1745 1821 1688
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
23
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
AIG Property Casualty Company 1144 1377 1326 1135
Allstate Vehicle and Property Insurance Co. 1792 1352 1676 1089
American Bankers Insurance Co. of FL 1369 1009 1359 993
American Economy Insurance Co. 1923 2065 1781 1415
American National Property & Casualty Co. 1527 1459 1386 964
American Security Insurance Co. 1872 1872 2312 1408
American Strategic Insurance Corp. 1849 1929 1575 1883
Amica Mutual Insurance Co. 1765 1765 1883 1169
Berkley Insurance Co. 832 823 1258 629
Branch Insurance Exchange 1675 1173 1358 1002
Brethren Mutual Insurance Co. 1213 1101 1114 737
Chubb National Insurance Co. 1731 1731 2131 1295
Cincinnati Casualty Co. 1566 1202 1087 736
Cincinnati Insurance Co. 1553 1553 1225 1022
CSAA General Insurance Co. 1664 1542 1750 736
Cumberland Mutual Fire Insurance Co. n/a n/a 1193 n/a
Encompass Home/Auto Insurance Co. 4212 4201 n/a 2378
Erie Insurance Co. 1204 917 1066 716
Everett Cash Mutual Insurance Co. 1009 1009 1125 796
Farmers Group Property & Casualty Ins. Co. 2884 2884 2661 1607
Farmers Insurance Exchange 1918 2019 1848 1023
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1175 1101 1037 678
Farmers Property & Casualty Insurance Co. 2359 2359 2444 1373
Federal Insurancec Co. 1924 1924 2232 1351
Garrison Property & Casualty Ins. Co. 2506 2149 2136 1633
Hartford Fire Insurance Co. 981 884 819 626
Homesite Insurance Co. 1909 1812 1904 1637
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
24
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
Horace Mann Insurance Co. 548 1170 1005 576 1394 1394
Lemonade Insurance Co. 753 2138 1697 932 1780 1763
Liberty Mutual Insurance Co. 561 1490 1275 680 1824 1902
Lititz Mutual Insurance Co. 1579 1243 1130 1507 1635 1635
Mutual Benefit Insurance Co. 712 1527 1317 892 2394 2394
Nationwide Insurance Co. of America 851 1801 1546 898 1809 1747
NGM Insurance Co. 449 1248 1108 586 1424 1424
NJM Insurance Co. 602 1010 777 634 1046 1085
Peerless Indemnity Insurance Co. 548 1428 1224 659 1744 1818
Penn National Insurance Co. 712 1066 986 672 1474 1484
Praetorian Insurance Company 677 2227 1957 883 1895 1895
Privilege Underwriters Reciprocal Exch. 1966 2420 2316 2244 3007 3007
Selective Ins. Co. of South Carolina 826 2242 1997 987 2212 2095
Southern Insurance Co. of VA 584 1276 1092 643 1398 1341
Standard Guaranty Ins. Co. 1066 3042 2961 1510 4331 4331
Stillwater P & C Insurance Co. 792 1976 1884 843 2033 2027
Teachers Insurance Co. 487 994 857 511 1274 1274
Travelers Personal Insurance Co. 764 1166 1085 770 1566 1450
United Services Automobile Association 1138 2553 1850 1248 2120 2300
Unitrin Safeguard Insurance Co. 534 1195 857 531 1189 1370
Universal Property & Casualty Ins. Co. 564 1467 1240 671 1739 1739
USAA Casualty Insurance Co. 1081 2481 1767 1188 2015 2191
USAA General Indemnity Co. 1344 2849 2151 1477 2462 2686
Vault Reciprocal Exchange 2072 2864 2741 2349 3585 3585
Vigilant Insurance Co. 829 2521 2131 1089 2689 2832
Windsor Mt. Joy Mutual Insurance Co. 468 1150 992 573 1476 1476
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
25
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
Horace Mann Insurance Co. 1092 1092 1029 713
Lemonade Insurance Co. 2025 1599 1783 967
Liberty Mutual Insurance Co. 1374 1117 1255 817
Lititz Mutual Insurance Co. 1592 1653 1603 1837
Mutual Benefit Insurance Co. 1522 1522 1344 848
Nationwide Insurance Co. of America 1615 1368 1565 1084
NGM Insurance Co. 1197 1197 1076 703
NJM Insurance Co. 1133 893 807 663
Peerless Indemnity Insurance Co. 1320 1074 1205 789
Penn National Insurance Co. 1291 1340 1012 869
Praetorian Insurance Company 1995 1995 1995 1037
Privilege Underwriters Reciprocal Exch. 2315 2315 2331 2474
Selective Ins. Co. of South Carolina 2282 1946 2095 1234
Southern Insurance Co. of VA 1324 1292 1165 738
Standard Guaranty Ins. Co. 2471 2474 3046 1768
Stillwater P & C Insurance Co. 2167 2017 1968 1118
Teachers Insurance Co. 1030 1030 877 629
Travelers Personal Insurance Co. 1502 1317 1108 871
United Services Automobile Association 2168 1861 1860 1405
Unitrin Safeguard Insurance Co. 1167 921 810 735
Universal Property & Casualty Ins. Co. 1640 1640 1266 775
USAA Casualty Insurance Co. 2054 1764 1782 1334
USAA General Indemnity Co. 2540 2179 2148 1660
Vault Reciprocal Exchange 2755 2755 2758 2609
Vigilant Insurance Co. 1739 1739 2188 1327
Windsor Mt. Joy Mutual Insurance Co. 983 983 1015 755
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
26
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
AIG Property Casualty Company 882 1544 1406 1087 1803 1793
Allstate Vehicle and Property Insurance Co. 970 1957 1618 1067 2083 2184
American Bankers Insurance Co. of FL 762 1749 1044 883 1276 1206
American Economy Insurance Co. 1553 2781 2140 1522 2610 2736
American National Property & Casualty Co. 749 2153 1751 831 2011 2030
American Security Insurance Co. 859 2406 2247 1206 3264 3264
American Strategic Insurance Corp. 820 3177 1954 1317 2079 2329
Amica Mutual Insurance Co. 974 2194 1864 1084 2193 2193
Berkley Insurance Co. 405 1500 1256 537 1253 1235
Branch Insurance Exchange 1026 1610 1368 1008 2049 2094
Brethren Mutual Insurance Co. n/a 1256 1151 550 1037 1618
Chubb National Insurance Co. 772 2422 2051 1053 2491 2624
Cincinnati Casualty Co. 642 2038 1599 741 1856 1854
Cincinnati Insurance Co. 707 1897 1462 963 2021 2021
CSAA General Insurance Co. 680 2071 1900 747 2016 1767
Cumberland Mutual Fire Insurance Co. n/a 1451 1147 n/a 1348 1348
Encompass Home/Auto Insurance Co. 1548 n/a 3684 2014 6128 6128
Erie Insurance Co. 414 1216 1145 693 1440 1241
Everett Cash Mutual Insurance Co. 478 1168 992 622 1526 1526
Farmers Group Property & Casualty Ins. Co. 1069 2870 2366 1362 3162 3162
Farmers Insurance Exchange 1061 2618 1735 1150 2424 2547
Farmers Mutual Fire Ins. Co. of Salem Cnty. 705 1180 1021 856 1346 1237
Farmers Property & Casualty Insurance Co. 945 2716 2259 1157 3106 3106
Federal Insurancec Co. 799 2538 2147 1096 2785 2943
Garrison Property & Casualty Ins. Co. 1386 2966 2292 1594 2488 2709
Hartford Fire Insurance Co. 615 952 936 796 1228 1203
Homesite Insurance Co. 1500 1832 1747 1676 1637 1583
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
27
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
AIG Property Casualty Company 1125 1350 1388 1124
Allstate Vehicle and Property Insurance Co. 1861 1397 1741 1166
American Bankers Insurance Co. of FL 1415 1055 1466 1155
American Economy Insurance Co. 2429 2624 2204 2060
American National Property & Casualty Co. 1596 1500 1469 986
American Security Insurance Co. 1872 1872 2312 1592
American Strategic Insurance Corp. 1687 1823 2120 1509
Amica Mutual Insurance Co. 1808 1808 1911 1180
Berkley Insurance Co. 832 823 1291 629
Branch Insurance Exchange 2093 1422 1477 1250
Brethren Mutual Insurance Co. 1207 1100 1175 795
Chubb National Insurance Co. 1619 1619 2106 1087
Cincinnati Casualty Co. 1904 1347 1345 842
Cincinnati Insurance Co. 1424 1424 1334 957
CSAA General Insurance Co. 1887 1729 1949 813
Cumberland Mutual Fire Insurance Co. n/a n/a 1178 n/a
Encompass Home/Auto Insurance Co. 3947 3937 n/a 2137
Erie Insurance Co. 1121 868 1021 674
Everett Cash Mutual Insurance Co. 912 912 1017 721
Farmers Group Property & Casualty Ins. Co. 2633 2633 2426 1533
Farmers Insurance Exchange 2271 2391 2350 1347
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1211 1038 1035 738
Farmers Property & Casualty Insurance Co. 2268 2268 2322 1392
Federal Insurancec Co. 1797 1797 2204 1130
Garrison Property & Casualty Ins. Co. 2600 2220 2276 1748
Hartford Fire Insurance Co. 1127 998 906 796
Homesite Insurance Co. 1766 1659 1765 1536
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
28
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
Horace Mann Insurance Co. 526 1173 1008 577 1329 1329
Lemonade Insurance Co. 801 2035 1641 957 1739 1723
Liberty Mutual Insurance Co. 691 1994 1804 900 2529 2554
Lititz Mutual Insurance Co. 1249 1048 730 1143 1635 1592
Mutual Benefit Insurance Co. 674 1425 1240 859 2087 2087
Nationwide Insurance Co. of America 921 2087 1813 1024 1943 1858
NGM Insurance Co. 472 1304 1157 611 1502 1502
NJM Insurance Co. 711 1168 903 739 1247 1297
Peerless Indemnity Insurance Co. 669 1907 1725 868 2416 2441
Penn National Insurance Co. 677 1127 1044 706 1391 1400
Praetorian Insurance Company 749 2356 2079 976 1967 1967
Privilege Underwriters Reciprocal Exch. 1844 2114 2024 1962 2816 2816
Selective Ins. Co. of South Carolina 795 2173 1940 954 2102 1991
Southern Insurance Co. of VA 730 1492 1311 827 1527 1477
Standard Guaranty Ins. Co. 1066 3042 2961 1510 4331 4331
Stillwater P & C Insurance Co. 778 2059 1977 900 1880 1879
Teachers Insurance Co. 468 997 859 512 1214 1214
Travelers Personal Insurance Co. 807 1421 1319 939 1638 1518
United Services Automobile Association 1193 2614 1986 1367 2165 2346
Unitrin Safeguard Insurance Co. 628 1929 1349 760 1559 1798
Universal Property & Casualty Ins. Co. 439 1322 1108 558 1476 1476
USAA Casualty Insurance Co. 1126 2528 1891 1298 2045 2220
USAA General Indemnity Co. 1409 2941 2323 1624 2520 2745
Vault Reciprocal Exchange 1827 2589 2477 2124 3151 3151
Vigilant Insurance Co. 786 2489 2107 1074 2503 2636
Windsor Mt. Joy Mutual Insurance Co. 436 1125 971 564 1347 1347
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
29
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
Horace Mann Insurance Co. 1042 1042 1032 699
Lemonade Insurance Co. 1962 1576 1717 1010
Liberty Mutual Insurance Co. 1873 1459 1645 1244
Lititz Mutual Insurance Co. 1653 807 872 582
Mutual Benefit Insurance Co. 1360 1360 1266 825
Nationwide Insurance Co. of America 1786 1507 1820 1226
NGM Insurance Co. 1261 1261 1123 740
NJM Insurance Co. 1346 1073 936 835
Peerless Indemnity Insurance Co. 1794 1398 1577 1196
Penn National Insurance Co. 1220 1265 1065 845
Praetorian Insurance Company 2067 2067 2119 1444
Privilege Underwriters Reciprocal Exch. 2171 2171 2037 2398
Selective Ins. Co. of South Carolina 2092 1817 2031 1217
Southern Insurance Co. of VA 1480 1454 1383 863
Standard Guaranty Ins. Co. 2471 2474 3046 1768
Stillwater P & C Insurance Co. 2037 1868 2078 1175
Teachers Insurance Co. 983 983 879 617
Travelers Personal Insurance Co. 1590 1372 1348 1041
United Services Automobile Association 2246 1920 1974 1491
Unitrin Safeguard Insurance Co. 1500 1149 1219 879
Universal Property & Casualty Ins. Co. 1412 1412 1132 679
USAA Casualty Insurance Co. 2114 1810 1886 1407
USAA General Indemnity Co. 2634 2251 2296 1772
Vault Reciprocal Exchange 2425 2425 2493 2297
Vigilant Insurance Co. 1625 1625 2161 1111
Windsor Mt. Joy Mutual Insurance Co. 899 899 994 693
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
30
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
AIG Property Casualty Company 480 452 521 444 550 541
Allstate Vehicle and Property Insurance Company
506 675 776 482 614 532
American Bankers Insurance Co. of FL 628 649 645 576 894 715
American Economy Insurance Co. 863 803 1013 953 1040 1040
American National Property & Casualty Co. 418 380 401 320 405 401
American Property & Casualty Ins. Co. 429 421 537 458 547 547
American Strategic Insurance Corp. 875 743 740 779 857 870
Amica Mutual Insurance Co. 808 706 823 710 812 812
Berkley Insurance Co. 643 540 668 521 745 636
Brethren Mutual 313 349 440 287 495 495
Chubb National Insurance Co. 693 584 724 562 827 641
Cincinnati Casualty Co. 353 322 402 316 375 375
Cincinnati Insurance Co. 343 308 355 320 385 385
CSAA General Insurance Co. 346 427 574 364 420 389
Cumberland Mutual Fire Insurance Co. 967 1213 1433 838 1370 1370
Encompass Home and Auto Insurance Company 1010 747 896 845 1040 1040
Erie Insurance Co. 430 406 917 710 778 764
Everett Cash Mutual Insurance Co. 532 432 546 446 493 493
Farmers Group Property & Casualty Ins. Co. 1568 1343 1509 1433 1755 1755
Farmers Insurance Exchange 1194 1312 1660 1142 1441 1463
Farmers Mutual Fire Ins. Co. of Salem Cnty. 568 524 581 487 761 761
Farmers Property & Casualty Insurance Co. 902 889 1104 755 1137 1137
Federal Insurancec Co. 738 619 767 594 882 804
Garrison Property & Casualty Ins. Co. 591 524 576 522 532 571
Hartford Fire Insurance Co. 362 308 368 313 417 417
Homesite Insurance Co. of the Midwest 1123 938 1143 942 1339 1339
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
31
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
AIG Property Casualty Company 405 486 447 429
Allstate Vehicle and Property Insurance Company
698 504 737 460
American Bankers Insurance Co. of FL 1095 1095 649 559
American Economy Insurance Co. 1013 983 803 803
American National Property & Casualty Co. 418 357 332 289
American Property & Casualty Ins. Co. 537 537 421 388
American Strategic Insurance Corp. 1226 1139 716 560
Amica Mutual Insurance Co. 864 864 706 613
Berkley Insurance Co. 643 643 540 521
Brethren Mutual 678 616 364 321
Chubb National Insurance Co. 693 693 584 562
Cincinnati Casualty Co. 532 393 274 269
Cincinnati Insurance Co. 373 373 308 308
CSAA General Insurance Co. 584 519 455 313
Cumberland Mutual Fire Insurance Co. 2208 2208 1199 824
Encompass Home and Auto Insurance Company 942 942 747 834
Erie Insurance Co. 669 762 553 407
Everett Cash Mutual Insurance Co. 420 420 432 432
Farmers Group Property & Casualty Ins. Co. 1828 1828 1343 1413
Farmers Insurance Exchange 1794 1694 1412 1064
Farmers Mutual Fire Ins. Co. of Salem Cnty. 748 748 632 522
Farmers Property & Casualty Insurance Co. 1097 1097 889 739
Federal Insurancec Co. 738 738 619 594
Garrison Property & Casualty Ins. Co. 698 613 508 497
Hartford Fire Insurance Co. 368 368 308 308
Homesite Insurance Co. of the Midwest 1314 1314 931 929
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
32
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502 20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
Horace Mann Insurance Co. 266 245 272 240 315 315
Lemonade Insurance Company 529 579 615 482 743 681
Liberty Insurance Corp. 924 752 876 770 1030 1030
Lititz Mutual Insurance Co. 1249 1602 1077 1542 1592 1653
LM Insurance Corp. 856 696 812 713 952 952
Mutual Benefit Insurance Co. 568 467 580 479 682 682
Nationwide Insurance Co. of America 668 637 670 610 609 600
NGM Insurance Co. 409 330 416 356 437 437
NJM Insurance Co. 527 580 565 473 845 677
Penn National Insurance Co. 318 279 330 291 373 373
Praetorian Insurance Company 695 859 939 634 794 794
Privilege Underwriters Reciprocal Exch. 1318 962 1242 1018 1373 1373
Selective Ins. Co. of South Carolina 247 270 318 230 257 258
Southern Insurance Co. of VA 381 1439 887 453 1039 1064
Stillwater P & C Insurance Co. 508 498 574 483 726 671
Teachers Insurance Co. 252 231 255 229 292 292
Travelers Personal Insurance Co. 482 603 535 438 998 690
United Services Automobile Association 545 500 538 482 497 535
Unitrin Safeguard Insurance Co. 354 415 401 334 376 407
Universal Property & Casualty Ins. Co. 342 375 442 325 472 472
USAA Casualty Insurance Co. 614 546 598 540 552 594
USAA General Indemnity Co. 496 447 486 441 452 484
Vault Reciprocal Exchange 1273 927 1195 984 1266 1266
Vigilant Insurance Co. 738 619 767 594 882 804
Windsor Mt. Joy Mutual Insurance Co. 587 516 649 485 812 812
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
33
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744 20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
Horace Mann Insurance Co. 292 292 245 240
Lemonade Insurance Company 940 824 554 482
Liberty Insurance Corp. 1027 1027 752 773
Lititz Mutual Insurance Co. 807 1603 937 1568
LM Insurance Corp. 951 951 696 715
Mutual Benefit Insurance Co. 580 580 467 467
Nationwide Insurance Co. of America 880 586 575 675
NGM Insurance Co. 440 440 330 345
NJM Insurance Co. 763 614 473 495
Penn National Insurance Co. 330 330 279 279
Praetorian Insurance Company 979 979 859 634
Privilege Underwriters Reciprocal Exch. 1259 1259 962 1018
Selective Ins. Co. of South Carolina 387 347 286 239
Southern Insurance Co. of VA 977 914 1067 592
Stillwater P & C Insurance Co. 921 830 506 481
Teachers Insurance Co. 270 270 231 229
Travelers Personal Insurance Co. 883 618 494 461
United Services Automobile Association 655 574 476 462
Unitrin Safeguard Insurance Co. 451 355 329 305
Universal Property & Casualty Ins. Co. 599 599 375 307
USAA Casualty Insurance Co. 727 637 527 515
USAA General Indemnity Co. 590 521 432 421
Vault Reciprocal Exchange 1161 1161 927 984
Vigilant Insurance Co. 738 738 619 594
Windsor Mt. Joy Mutual Insurance Co. 649 649 516 543
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
34
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502
20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
AIG Property Casualty Company 482 452 521 444 552 543
Allstate Vehicle and Property Insurance Company
506 675 776 482 614 532
American Bankers Insurance Co. of FL 628 649 628 559 877 698
American Economy Insurance Co. 852 792 852 792 877 877
American National Property & Casualty Co. 418 380 387 307 392 387
American Strategic Insurance Corp. 875 743 730 769 847 860
Amica Mutual Insurance Co. 803 701 818 705 807 807
Berkley Insurance Co. 643 540 668 521 745 636
Brethren Mutual 411 449 562 362 628 628
Century-National Insurance Co. 273 273 391 391 391 391
Chubb National Insurance Co. 693 584 724 562 827 641
Cincinnati Casualty Co. 350 320 390 308 363 365
Cincinnati Insurance Co. 331 296 331 296 361 361
CSAA General Insurance Co. 337 446 566 345 419 387
Cumberland Mutual Fire Insurance Co. 967 1213 1419 824 1356 1356
Encompass Home and Auto Insurance Company 1010 747 896 845 1040 1040
Erie Insurance Co. 442 1330 1224 776 1499 1261
Everett Cash Mutual Insurance Co. 553 453 553 453 652 652
Farmers Group Property & Casualty Ins. Co. 1333 1142 1266 1201 1475 1475
Farmers Insurance Exchange 1194 1312 1582 1064 1363 1385
Farmers Mutual Fire Ins. Co. of Salem Cnty. 753 1317 1173 933 1513 1384
Farmers Property & Casualty Insurance Co. 902 889 1087 739 1120 1120
Federal Insurancec Co. 738 619 767 594 882 804
Garrison Property & Casualty Ins. Co. 591 524 576 522 532 571
Hartford Fire Insurance Co. 395 849 733 495 1081 1081
Homesite Insurance Co. of the Midwest 1115 930 1122 920 1318 1318
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
35
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744
20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
AIG Property Casualty Company 407 488 447 429
Allstate Vehicle and Property Insurance Company
698 504 737 460
American Bankers Insurance Co. of FL 1078 1078 649 559
American Economy Insurance Co. 852 821 792 792
American National Property & Casualty Co. 404 344 332 289
American Strategic Insurance Corp. 1216 1129 716 560
Amica Mutual Insurance Co. 859 859 701 608
Berkley Insurance Co. 643 643 540 521
Brethren Mutual 865 784 473 419
Century-National Insurance Co. 391 391 293 273
Chubb National Insurance Co. 693 693 584 562
Cincinnati Casualty Co. 518 382 272 267
Cincinnati Insurance Co. 349 349 296 296
CSAA General Insurance Co. 569 505 472 312
Cumberland Mutual Fire Insurance Co. 2194 2194 1199 824
Encompass Home and Auto Insurance Company 942 942 747 834
Erie Insurance Co. 1202 921 1144 746
Everett Cash Mutual Insurance Co. 553 553 453 453
Farmers Group Property & Casualty Ins. Co. 1537 1537 1142 1201
Farmers Insurance Exchange 1716 1616 1412 1064
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1353 1147 1146 765
Farmers Property & Casualty Insurance Co. 1081 1081 889 739
Federal Insurancec Co. 738 738 619 594
Garrison Property & Casualty Ins. Co. 698 613 508 497
Hartford Fire Insurance Co. 681 681 752 554
Homesite Insurance Co. of the Midwest 1292 1292 923 920
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
36
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21502
20657 20603 21550 20878 20906
Insurer Allegany Calvert Charles Garrett Montgomery Montgomery
Horace Mann Insurance Co. 244 223 250 218 293 293
Lemonade Insurance Company 515 565 601 468 729 667
Liberty Insurance Corp. 924 752 876 770 1030 1030
Lititz Mutual Insurance Co. 1673 1130 1143 1635 807 1603
LM Insurance Corp. 856 696 812 713 952 952
Mutual Benefit Insurance Co. 562 461 562 461 664 664
Nationwide Insurance Co. of America 662 631 654 599 600 591
NGM Insurance Co. 409 330 405 345 426 437
NJM Insurance Co. 527 580 563 471 843 675
Penn National Insurance Co. 351 738 641 437 936 936
Praetorian Insurance Company 695 859 939 634 794 794
Privilege Underwriters Reciprocal Exch. 1318 962 1242 1018 1373 1373
Selective Ins. Co. of South Carolina 242 265 305 220 248 249
Southern Insurance Co. of VA 660 1605 1376 791 1597 1521
Stillwater P & C Insurance Co. 487 477 533 442 685 630
Teachers Insurance Co. 230 209 233 207 270 270
Travelers Personal Insurance Co. 481 602 523 428 972 663
United Services Automobile Association 545 500 538 482 497 535
Unitrin Safeguard Insurance Co. 543 1622 1110 668 1239 1417
Universal Property & Casualty Ins. Co. n/a n/a n/a n/a n/a n/a
USAA Casualty Insurance Co. 614 546 598 540 552 594
USAA General Indemnity Co. 496 447 486 441 452 484
Vault Reciprocal Exchange 1273 927 1195 984 1266 1266
Vigilant Insurance Co. 738 619 767 594 882 804
Windsor Mt. Joy Mutual Insurance Co. 587 516 649 485 812 812
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
37
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
20744
20783 20659
21740
Insurer Prince George's Prince George's Saint Mary's Washington
Horace Mann Insurance Co. 270 270 223 218
Lemonade Insurance Company 926 810 540 468
Liberty Insurance Corp. 1027 1027 752 773
Lititz Mutual Insurance Co. 872 937 582 1245
LM Insurance Corp. 951 951 696 715
Mutual Benefit Insurance Co. 562 562 461 461
Nationwide Insurance Co. of America 862 570 568 669
NGM Insurance Co. 429 429 330 345
NJM Insurance Co. 761 612 473 495
Penn National Insurance Co. 595 595 654 488
Praetorian Insurance Company 979 979 859 634
Privilege Underwriters Reciprocal Exch. 1259 1259 962 1018
Selective Ins. Co. of South Carolina 375 336 281 234
Southern Insurance Co. of VA 1509 1467 1465 785
Stillwater P & C Insurance Co. 880 789 485 460
Teachers Insurance Co. 248 248 209 207
Travelers Personal Insurance Co. 865 594 493 459
United Services Automobile Association 655 574 476 462
Unitrin Safeguard Insurance Co. 1214 962 1062 742
Universal Property & Casualty Ins. Co. n/a n/a n/a n/a
USAA Casualty Insurance Co. 727 637 527 515
USAA General Indemnity Co. 590 521 432 421
Vault Reciprocal Exchange 1161 1161 927 984
Vigilant Insurance Co. 738 738 619 594
Windsor Mt. Joy Mutual Insurance Co. 649 649 516 543
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
38
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
AIG Property Casualty Company 1688 1699 1176 1176 1141 1321
Allstate Vehicle and Property Insurance Co. 2662 2449 1769 1789 1907 2264
American Bankers Insurance Co. of FL 1561 1326 1742 1582 1264 1181
American Economy Insurance Co. 2731 2309 2390 2441 2379 2578
American National Property & Casualty Co. 1704 1714 1211 1211 1380 1443
American Security Insurance Co. 2588 2588 1350 1350 2051 2051
American Strategic Insurance Corp. 2127 1853 1234 1323 1646 1707
Amica Mutual Insurance Co. 2260 2260 1575 1575 1879 1879
Berkley Insurance Co. 1185 1216 676 676 820 915
Branch Insurance Exchange 2806 2644 1821 1821 1787 2612
Brethren Mutual Insurance Co. 1318 1198 1184 1127 1260 1026
Chubb National Insurance Co. 2363 2363 897 897 1489 1597
Cincinnati Casualty Co. 1970 1611 1494 1516 1256 1930
Cincinnati Insurance Co. 2305 2305 1595 1595 1890 1890
CSAA General Insurance Co. 2004 2135 1235 1217 1873 1676
Cumberland Mutual Fire Insurance Co. 1289 1289 n/a n/a n/a n/a
Encompass Home/Auto Insurance Co. 6523 6841 3696 3692 4170 5766
Erie Insurance Co. 1960 1461 1097 1027 963 1199
Everett Cash Mutual Insurance Co. 1436 1436 805 805 1181 1181
Farmers Group Property & Casualty Ins. Co.
4554 4554 2175 2175 3901 4177
Farmers Insurance Exchange 3217 3106 2704 2586 2351 2727
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1553 1366 1160 1145 1113 1240
Farmers Property & Casualty Insurance Co. 4092 4092 1770 1770 2882 3508
Federal Insurancec Co. 2486 2486 1001 1001 1679 1792
Garrison Property & Casualty Ins. Co. 3234 2925 1876 1923 2292 2671
Hartford Fire Insurance Co. 1763 1558 955 1378 1226 1411
Homesite Insurance Co. 2078 1901 2083 2066 2089 1889
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
39
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
AIG Property Casualty Company 1646 1317 1270 1396 1625
Allstate Vehicle and Property Insurance Co. 2218 2072 1970 2056 2858
American Bankers Insurance Co. of FL 1232 1076 1104 1109 1361
American Economy Insurance Co. 2735 2231 2049 2305 2776
American National Property & Casualty Co. 1568 1249 1465 1465 2018
American Security Insurance Co. 2687 1994 2342 2308 3591
American Strategic Insurance Corp. 1878 1500 2616 1492 1933
Amica Mutual Insurance Co. 2235 2117 2146 1996 3031
Berkley Insurance Co. 908 1070 884 1037 1344
Branch Insurance Exchange 2029 1740 1840 1946 2746
Brethren Mutual Insurance Co. 1310 1097 1229 1078 1486
Chubb National Insurance Co. 1532 2106 1730 1992 2688
Cincinnati Casualty Co. 1551 1336 1437 1326 1877
Cincinnati Insurance Co. 2003 1912 2012 1897 2770
CSAA General Insurance Co. 1696 1511 1427 1553 2476
Cumberland Mutual Fire Insurance Co. 1260 n/a 1013 1131 1709
Encompass Home/Auto Insurance Co. 4978 5173 4845 6291 8711
Erie Insurance Co. 1433 1186 1239 1285 1598
Everett Cash Mutual Insurance Co. 1380 1049 1307 1199 1812
Farmers Group Property & Casualty Ins. Co. 3355 2860 3171 3259 4136
Farmers Insurance Exchange 2663 2513 2163 2396 3506
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1179 1092 1089 1161 1469
Farmers Property & Casualty Insurance Co. 2986
3688 2821 4208 4598
Federal Insurancec Co. 1612 2215 1818 2089 2824
Garrison Property & Casualty Ins. Co. 2534 2273 2491 2475 3050
Hartford Fire Insurance Co. 1445 1179 1345 1283 1646
Homesite Insurance Co. 2069 2213 2205 1985 1961
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
40
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
Horace Mann Insurance Co. 1371 1371 1160 1160 1212 1179
Lemonade Insurance Co. 1865 1715 1452 1519 1602 1744
Liberty Mutual Insurance Co. 1634 1820 953 1056 1469 1204
Lititz Mutual Insurance Co. 1579 1579 1673 1673 1249 1249
Mutual Benefit Insurance Co. 2175 2175 1422 1422 1857 1756
Nationwide Insurance Co. of America 2768 2535 2121 2121 2190 2296
NGM Insurance Co. 2233 2233 1486 1486 1535 1535
NJM Insurance Co. 2178 1795 1360 1495 1354 1945
Peerless Indemnity Insurance Co. 1567 1742 918 1016 1408 1157
Penn National Insurance Co. 1657 1816 1398 1452 1600 1610
Praetorian Insurance Company 1951 1951 2087 2087 1816 1816
Privilege Underwriters Reciprocal Exch. 2839 2839 3541 3541 2788 2788
Selective Ins. Co. of South Carolina 2466 2400 2596 2522 2620 2526
Southern Insurance Co. of VA 1609 1635 1179 1220 1305 1517
Standard Guaranty Ins. Co. 3019 3019 1492 1492 2392 2392
Stillwater P & C Insurance Co. 1810 1792 1678 1753 1962 1584
Teachers Insurance Co. 1229 1229 1119 1119 1131 1100
Travelers Personal Insurance Co. 1536 1464 1343 1501 1245 1443
United Services Automobile Association 2819 2561 1633 1669 1983 2318
Unitrin Safeguard Insurance Co.
1363 1304 751 914 978 1101
Universal Property & Casualty Ins. Co. 1439 1439 942 942 1285 1176
USAA Casualty Insurance Co. 2674 2429 1532 1566 1864 2174
USAA General Indemnity Co. 3245 2937 1898 1945 2325 2697
Vault Reciprocal Exchange 3285 3285 2516 2516 3052 3052
Vigilant Insurance Co. 2426 2426 947 947 1498 1602
Windsor Mt. Joy Mutual Insurance Co. 1250 1250 838 838 901 1285
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
41
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
Horace Mann Insurance Co. 1302 1116 1194 1255 1523
Lemonade Insurance Co. 1605 1161 1338 1466 1925
Liberty Mutual Insurance Co. 2160 1215 1460 1388 2300
Lititz Mutual Insurance Co. 1243 1048 1130 1077 1507
Mutual Benefit Insurance Co. 1794 1703 1529 1521 2275
Nationwide Insurance Co. of America 2245 1747 2132 1860 2478
NGM Insurance Co. 1535 1669 1757 1436 2250
NJM Insurance Co. 1527 1336 1318 1418 1926
Peerless Indemnity Insurance Co. 2065 1168 1399 1334 2197
Penn National Insurance Co. 1522 1377 1405 1491 1926
Praetorian Insurance Company 1754 2575 1676 1877 2188
Privilege Underwriters Reciprocal Exch. 3117 3101 3705 2831 3798
Selective Ins. Co. of South Carolina 2247 2434 2320 1859 2629
Southern Insurance Co. of VA 1505 1341 1611 1469 1832
Standard Guaranty Ins. Co. 3134 2325 2732 2692 4193
Stillwater P & C Insurance Co. 1846 1515 1690 1615 2457
Teachers Insurance Co. 1180 1024 1040 1140 1475
Travelers Personal Insurance Co. 1358 1172 1178 1283 1667
United Services Automobile Association 2185 1966 2150 2136 2649
Unitrin Safeguard Insurance Co. 1103 1053 1012 977 1702
Universal Property & Casualty Ins. Co. 1364 1086 1032 1103 1692
USAA Casualty Insurance Co. 2062 1853 2029 2013 2496
USAA General Indemnity Co. 2574
2300 2531 2511 3091
Vault Reciprocal Exchange 3249 3034 3203 3132 3778
Vigilant Insurance Co. 1573 2165 1778 2045 2760
Windsor Mt. Joy Mutual Insurance Co. 1138 978 1083 998 1464
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
42
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
AIG Property Casualty Company 1573 1582 1079 1079 1025 1210
Allstate Vehicle and Property Insurance Co. 2136 1972 1366 1377 1491 1752
American Bankers Insurance Co. of FL 1421 1215 1663 1512 1131 1149
American Economy Insurance Co. 2543 2153 2433 2483 2376 2717
American National Property & Casualty Co. 1764 1773 1153 1153 1390 1446
American Security Insurance Co. 2295 2295 1350 1350 2051 2051
American Strategic Insurance Corp. 2115 1860 1269 1359 1667 1745
Amica Mutual Insurance Co. 1822 1822 1280 1280 1526 1526
Berkley Insurance Co. 1079 1106 620 620 750 836
Branch Insurance Exchange 2093 1976 1432 1432 1421 1982
Brethren Mutual Insurance Co. 1064 963 953 907 1017 875
Chubb National Insurance Co. 2241 2241 843 843 1397 1379
Cincinnati Casualty Co. 1539 1284 1147 1164 1058 1522
Cincinnati Insurance Co. 1872 1872 1287 1287 1539 1539
CSAA General Insurance Co. 1898 2036 1135 1118 1699 1538
Cumberland Mutual Fire Insurance Co. 1100 1073 n/a n/a n/a n/a
Encompass Home/Auto Insurance Co. 5331 5588 2986 2982 3495 4622
Erie Insurance Co. 1543 1221 859 804 769 1007
Everett Cash Mutual Insurance Co. 1436 1436 805 805 1181 1181
Farmers Group Property & Casualty Ins. Co.
3896 3896 1874 1874 3341 3576
Farmers Insurance Exchange 2196 2126 2065 1975 1770 2110
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1392 1179 1091 1077 1049 1163
Farmers Property & Casualty Insurance Co. 3290 3290 1476 1476 2388 2901
Federal Insurancec Co. 2359 2359 939 939 1575 1546
Garrison Property & Casualty Ins. Co. 3131 2848 1897 1942 2294 2639
Hartford Fire Insurance Co. 1236 1101 786 1116 1001 1109
Homesite Insurance Co. 1889 1734 1880 1865 1901 1746
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
43
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
AIG Property Casualty Company 1480 1234 1189 1307 1516
Allstate Vehicle and Property Insurance Co. 1814 1603 1549 1650 2270
American Bankers Insurance Co. of FL 1162 991 1021 1022 1248
American Economy Insurance Co. 2637 2049 1901 2129 2629
American National Property & Casualty Co. 1629 1265 1520 1495 2133
American Security Insurance Co. 2687 1769 2077 2047 3184
American Strategic Insurance Corp. 1891 1489 2673 1484 1943
Amica Mutual Insurance Co. 1845 1714 1733 1618 2421
Berkley Insurance Co. 829 975 808 945 1222
Branch Insurance Exchange 1662 1333 1407 1498 2060
Brethren Mutual Insurance Co. 1062 878 989 865 1208
Chubb National Insurance Co. 1462 1994 1654 1890 2569
Cincinnati Casualty Co. 1235 1035 1114 1030 1461
Cincinnati Insurance Co. 1630 1558 1638 1544 2243
CSAA General Insurance Co. 1547 1435 1357 1476 2332
Cumberland Mutual Fire Insurance Co. 1076 n/a 878 971 1441
Encompass Home/Auto Insurance Co. 4088 4204 3945 5106 7066
Erie Insurance Co. 1073 936 1024 1064 1303
Everett Cash Mutual Insurance Co. 1380 1049 1307 1199 1812
Farmers Group Property & Casualty Ins. Co. 2877 2457 2721 2796 3541
Farmers Insurance Exchange 1966 1735 1488 1653 2388
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1109 992 989 1052 1320
Farmers Property & Casualty Insurance Co. 2473
2968 2276 3383 3693
Federal Insurancec Co. 1537 2097 1739 1982 2698
Garrison Property & Casualty Ins. Co. 2477 2211 2441 2413 2974
Hartford Fire Insurance Co. 1257 843 961 919 1170
Homesite Insurance Co. 1883 2005 1997 1810 1791
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
44
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
Horace Mann Insurance Co. 1177 1177 998 998 1014 1014
Lemonade Insurance Co. 1704 1570 1316 1375 1470 1620
Liberty Mutual Insurance Co. 1396 1569 897 1001 1325 1156
Lititz Mutual Insurance Co. 1249 1579 1673 1888 1673 1249
Mutual Benefit Insurance Co. 1859 1859 1219 1219 1573 1573
Nationwide Insurance Co. of America 2037 1889 1602 1602 1648 1764
NGM Insurance Co. 1786 1786 1189 1189 1228 1228
NJM Insurance Co. 1687 1411 1123 1228 1117 1573
Peerless Indemnity Insurance Co. 1338 1503 865 962 1274 1113
Penn National Insurance Co. 1226 1340 1022 1060 1160 1209
Praetorian Insurance Company 1756 1756 1878 1878 1634 1634
Privilege Underwriters Reciprocal Exch. 2613 2613 3370 3370 2655 2655
Selective Ins. Co. of South Carolina 1932 1879 1978 1921 2014 2036
Southern Insurance Co. of VA 1190 1205 897 927 1045 1109
Standard Guaranty Ins. Co. 3019 3019 1492 1492 2392 2392
Stillwater P & C Insurance Co. 1781 1771 1660 1735 1914 1638
Teachers Insurance Co. 1057 1057 963 963 947 947
Travelers Personal Insurance Co. 1329 1290 1180 1287 1163 1315
United Services Automobile Association 2733 2497 1655 1690 1987 2285
Unitrin Safeguard Insurance Co.
1150 1092 655 791 842 932
Universal Property & Casualty Ins. Co. 1464 1464 967 967 1310 1310
USAA Casualty Insurance Co. 2599 2373 1549 1582 1865 2145
USAA General Indemnity Co. 3144 2863 1920 1965 2328 2663
Vault Reciprocal Exchange 3127 3127 2396 2396 2906 2906
Vigilant Insurance Co. 2302 2302 890 890 1408 1384
Windsor Mt. Joy Mutual Insurance Co. 1297 1297 885 885 948 1332
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
45
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
Horace Mann Insurance Co. 1119 961 1027 1079 1306
Lemonade Insurance Co. 1474 1076 1235 1349 1758
Liberty Mutual Insurance Co. 1874 1062 1273 1208 1955
Lititz Mutual Insurance Co. 1048 1602 730 1507 1143
Mutual Benefit Insurance Co. 1464 1458 1310 1303 1944
Nationwide Insurance Co. of America 1750 1308 1584 1403 1862
NGM Insurance Co. 1228 1335 1405 1149 1800
NJM Insurance Co. 1227 1064 1056 1133 1509
Peerless Indemnity Insurance Co. 1794 1023 1222 1163 1871
Penn National Insurance Co. 1115 1028 1049 1108 1425
Praetorian Insurance Company 1579 2318 1508 1689 1969
Privilege Underwriters Reciprocal Exch. 2967 2853 3407 2606 3493
Selective Ins. Co. of South Carolina 1707 1906 1818 1458 2058
Southern Insurance Co. of VA 1200 1017 1194 1099 1370
Standard Guaranty Ins. Co. 3134 2325 2732 2692 4193
Stillwater P & C Insurance Co. 1832 1497 1683 1611 2417
Teachers Insurance Co. 1015 882 896 981 1265
Travelers Personal Insurance Co. 1239 1009 1015 1111 1448
United Services Automobile Association 2140 1914 2109 2085 2585
Unitrin Safeguard Insurance Co. 967 880 862 835 1421
Universal Property & Casualty Ins. Co. 1272 1110 1056 1128 1717
USAA Casualty Insurance Co. 2019 1809 1995 1971 2442
USAA General Indemnity Co. 2517
2239 2484 2452 3017
Vault Reciprocal Exchange 3093 2889 3049 2981 3595
Vigilant Insurance Co. 1500 2049 1701 1940 2636
Windsor Mt. Joy Mutual Insurance Co. 1185 1025 1130 1045 1511
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
46
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Western Maryland, D.C. suburbs, and Southern Maryland
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
AIG Property Casualty Company 1447 1455 1088 1088 1025 1217
Allstate Vehicle and Property Insurance Co. 1754 1633 1205 1203 1378 1555
American Bankers Insurance Co. of FL 1182 1019 1395 1269 1023 1031
American Economy Insurance Co. 1824 1567 1674 1725 1710 1959
American National Property & Casualty Co. 1488 1503 1017 1017 1269 1314
American Security Insurance Co. 2185 2185 1094 1094 1737 1737
American Strategic Insurance Corp. 1702 1514 1231 1306 1710 1761
Amica Mutual Insurance Co. 1642 1642 1180 1180 1431 1431
Berkley Insurance Co. 970 1003 573 573 699 777
Branch Insurance Exchange 1624 1524 1166 1166 1238 1571
Brethren Mutual Insurance Co. 916 834 821 780 919 793
Chubb National Insurance Co. 2060 2060 1018 1018 1507 1491
Cincinnati Casualty Co. 1404 1199 1075 1089 1071 1442
Cincinnati Insurance Co. 1520 1520 1215 1215 1462 1462
CSAA General Insurance Co. 1309 1394 929 917 1364 1233
Cumberland Mutual Fire Insurance Co. 1023 1023 n/a n/a n/a n/a
Encompass Home/Auto Insurance Co. 4820 5054 2758 2754 3118 4112
Erie Insurance Co. 1440 1176 828 775 743 977
Everett Cash Mutual Insurance Co. 1275 1275 723 723 1052 1052
Farmers Group Property & Casualty Ins. Co.
3494 3494 1567 1567 2870 3104
Farmers Insurance Exchange 1647 1600 1622 1553 1397 1658
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1255 1112 953 941 917 1014
Farmers Property & Casualty Insurance Co. 2973 2973 1246 1246 2088 2567
Federal Insurancec Co. 2159 2159 1119 1119 1681 1653
Garrison Property & Casualty Ins. Co. 2339 2132 1651 1672 1917 2144
Hartford Fire Insurance Co. 951 864 596 789 805 857
Homesite Insurance Co. 1791 1661 1758 1745 1821 1688
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
47
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
AIG Property Casualty Company 1493 1133 1086 1199 1390
Allstate Vehicle and Property Insurance Co. 1619 1319 1281 1366 1853
American Bankers Insurance Co. of FL 1063 844 868 870 1051
American Economy Insurance Co. 1970 1450 1348 1506 1871
American National Property & Casualty Co. 1508 1047 1276 1255 1811
American Security Insurance Co. 2269 1690 1982 1951 3026
American Strategic Insurance Corp. 1575 1182 2208 1191 1596
Amica Mutual Insurance Co. 1698 1547 1558 1463 2173
Berkley Insurance Co. 778 879 727 855 1108
Branch Insurance Exchange 1389 1053 1100 1178 1550
Brethren Mutual Insurance Co. 988 757 851 749 1039
Chubb National Insurance Co. 1504 1849 1558 1762 2329
Cincinnati Casualty Co. 1223 935 1007 938 1396
Cincinnati Insurance Co. 1577 1247 1334 1237 1811
CSAA General Insurance Co. 1265 998 968 1038 1574
Cumberland Mutual Fire Insurance Co. 1081 n/a 821 905 1332
Encompass Home/Auto Insurance Co. 3624 3787 3559 4616 6355
Erie Insurance Co. 1077 875 992 1033 1250
Everett Cash Mutual Insurance Co. 1226 936 1161 1067 1605
Farmers Group Property & Casualty Ins. Co. 2406 2046 2262 2324 3069
Farmers Insurance Exchange 1572 1311 1130 1249 1785
Farmers Mutual Fire Ins. Co. of Salem Cnty. 968 901 898 954 1191
Farmers Property & Casualty Insurance Co. 2166
2630 1984 3018 3308
Federal Insurancec Co. 1572 1935 1629 1840 2440
Garrison Property & Casualty Ins. Co. 2121 1653 1853 1816 2260
Hartford Fire Insurance Co. 922 663 760 734 883
Homesite Insurance Co. 1814 1872 1875 1731 1716
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
48
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
Horace Mann Insurance Co. 980 980 910 910 953 953
Lemonade Insurance Co. 1590 1469 1121 1169 1377 1513
Liberty Mutual Insurance Co. 1146 1272 751 832 1073 967
Lititz Mutual Insurance Co. 1249 1249 1888 1009 1673 1673
Mutual Benefit Insurance Co. 1532 1532 1000 1000 1306 1306
Nationwide Insurance Co. of America 1636 1541 1501 1501 1461 1562
NGM Insurance Co. 1313 1313 916 916 945 945
NJM Insurance Co. 996 858 777 836 785 1084
Peerless Indemnity Insurance Co. 1102 1220 726 806 1033 930
Penn National Insurance Co. 1092 1193 970 1004 1140 1189
Praetorian Insurance Company 1552 1552 1278 1278 1483 1483
Privilege Underwriters Reciprocal Exch. 2043 2043 2588 2588 2045 2045
Selective Ins. Co. of South Carolina 1717 1674 1790 1737 1832 1858
Southern Insurance Co. of VA 953 965 907 923 957 1019
Standard Guaranty Ins. Co. 2761 2761 1366 1366 2189 2189
Stillwater P & C Insurance Co. 1477 1469 1373 1395 1654 1482
Teachers Insurance Co. 884 884 879 879 892 892
Travelers Personal Insurance Co. 1174 1146 1113 1193 1128 1247
United Services Automobile Association 2042 1870 1446 1462 1665 1865
Unitrin Safeguard Insurance Co.
879 848 675 820 833 910
Universal Property & Casualty Ins. Co. 1438 1438 931 931 1243 1243
USAA Casualty Insurance Co. 1951 1786 1360 1375 1574 1762
USAA General Indemnity Co. 2348 2142 1676 1697 1950 2167
Vault Reciprocal Exchange 2852 2852 2250 2250 2722 2722
Vigilant Insurance Co. 2112 2112 1066 1066 1518 1495
Windsor Mt. Joy Mutual Insurance Co. 1134 1134 834 834 893 1248
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
49
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
Horace Mann Insurance Co. 1051 805 860 900 1086
Lemonade Insurance Co. 1402 1013 1164 1256 1639
Liberty Mutual Insurance Co. 1643 891 1022 989 1544
Lititz Mutual Insurance Co. 1602 1069 1077 1143 1542
Mutual Benefit Insurance Co. 1273 1208 1087 1084 1600
Nationwide Insurance Co. of America 1612 1092 1301 1154 1560
NGM Insurance Co. 945 986 1036 850 1323
NJM Insurance Co. 864 688 686 722 907
Peerless Indemnity Insurance Co. 1574 860 984 950 1480
Penn National Insurance Co. 1116 919 937 990 1273
Praetorian Insurance Company 1435 2030 1340 1494 1734
Privilege Underwriters Reciprocal Exch. 2282 2228 2656 2037 2722
Selective Ins. Co. of South Carolina 1600 1708 1627 1285 1811
Southern Insurance Co. of VA 1043 821 954 882 1092
Standard Guaranty Ins. Co. 2867 2127 2499 2462 3834
Stillwater P & C Insurance Co. 1708 1257 1407 1362 1993
Teachers Insurance Co. 957 742 756 823 1053
Travelers Personal Insurance Co. 1184 895 889 980 1280
United Services Automobile Association 1831 1433 1601 1570 1965
Unitrin Safeguard Insurance Co. 926 689 672 656 1098
Universal Property & Casualty Ins. Co. 1314 1102 1051 1119 1678
USAA Casualty Insurance Co. 1741 1363 1524 1493 1866
USAA General Indemnity Co. 2159
1673 1884 1844 2292
Vault Reciprocal Exchange 2897 2636 2780 2719 3278
Vigilant Insurance Co. 1540 1896 1596 1804 2388
Windsor Mt. Joy Mutual Insurance Co. 1111 900 991 918 1318
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
50
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
AIG Property Casualty Company 1500 1509 1067 1067 1000 1178
Allstate Vehicle and Property Insurance Co. 1822 1699 1287 1299 1424 1660
American Bankers Insurance Co. of FL 1294 1126 1572 1436 1101 1112
American Economy Insurance Co. 2279 1987 2485 2532 2371 2686
American National Property & Casualty Co. 1556 1570 1068 1068 1302 1356
American Security Insurance Co. 2185 2185 1235 1235 1964 1964
American Strategic Insurance Corp. 2275 2043 1199 1278 1593 1664
Amica Mutual Insurance Co. 1647 1647 1202 1202 1460 1460
Berkley Insurance Co. 1010 1029 573 573 699 777
Branch Insurance Exchange 1763 1671 1462 1462 1529 2049
Brethren Mutual Insurance Co. 978 893 894 852 952 821
Chubb National Insurance Co. 2035 2035 866 866 1347 1334
Cincinnati Casualty Co. 1773 1521 1329 1345 1348 1769
Cincinnati Insurance Co. 1644 1644 1128 1128 1342 1342
CSAA General Insurance Co. 1474 1536 1035 1021 1501 1366
Cumberland Mutual Fire Insurance Co. 1019 1019 n/a n/a n/a n/a
Encompass Home/Auto Insurance Co. 4361 4601 2521 2520 2950 3815
Erie Insurance Co. 1440 1223 803 745 675 914
Everett Cash Mutual Insurance Co. 1150 1150 654 654 950 950
Farmers Group Property & Casualty Ins. Co.
3176 3176 1498 1498 2620 2831
Farmers Insurance Exchange 2093 2025 2158 2066 1797 2135
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1295 1107 1025 1014 988 1089
Farmers Property & Casualty Insurance Co. 2813 2813 1275 1275 2066 2527
Federal Insurancec Co. 2131 2131 945 945 1499 1475
Garrison Property & Casualty Ins. Co. 2477 2255 1677 1723 2001 2304
Hartford Fire Insurance Co. 1067 963 738 1026 1038 1121
Homesite Insurance Co. 1646 1507 1628 1616 1693 1530
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
51
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
AIG Property Casualty Company 1476 1191 1142 1255 1449
Allstate Vehicle and Property Insurance Co. 1657 1404 1360 1448 1959
American Bankers Insurance Co. of FL 1105 937 970 966 1155
American Economy Insurance Co. 2499 1828 1725 1929 2457
American National Property & Casualty Co. 1538 1108 1338 1314 1893
American Security Insurance Co. 2269 1690 1982 1951 3026
American Strategic Insurance Corp. 1809 1583 3165 1603 2203
Amica Mutual Insurance Co. 1720 1573 1569 1478 2174
Berkley Insurance Co. 778 899 756 877 1155
Branch Insurance Exchange 1679 1193 1242 1336 1733
Brethren Mutual Insurance Co. 984 813 901 803 1109
Chubb National Insurance Co. 1408 1829 1536 1741 2293
Cincinnati Casualty Co. 1448 1181 1296 1205 1745
Cincinnati Insurance Co. 1444 1358 1449 1347 1953
CSAA General Insurance Co. 1435 1115 1095 1173 1795
Cumberland Mutual Fire Insurance Co. 1006 n/a 831 908 1310
Encompass Home/Auto Insurance Co. 3432 3451 3294 4173 5829
Erie Insurance Co. 1005 850 1004 1068 1275
Everett Cash Mutual Insurance Co. 1107 846 1048 963 1446
Farmers Group Property & Casualty Ins. Co. 2237 1927 2122 2177 2798
Farmers Insurance Exchange 1862 1653 1434 1588 2280
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1005 906 903 955 1181
Farmers Property & Casualty Insurance Co. 2087
2501 1902 2860 3131
Federal Insurancec Co. 1473 1915 1605 1817 2401
Garrison Property & Casualty Ins. Co. 2163 1788 2002 1967 2418
Hartford Fire Insurance Co. 1050 745 850 816 1005
Homesite Insurance Co. 1676 1743 1748 1575 1553
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
52
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
Horace Mann Insurance Co. 983 983 960 960 910 910
Lemonade Insurance Co. 1558 1450 1162 1207 1382 1506
Liberty Mutual Insurance Co. 1570 1784 1137 1262 1620 1368
Lititz Mutual Insurance Co. 1673 1249 1009 1243 1888 1673
Mutual Benefit Insurance Co. 1431 1431 971 971 1177 1177
Nationwide Insurance Co. of America 1912 1797 1682 1682 1658 1795
NGM Insurance Co. 1372 1372 964 964 995 995
NJM Insurance Co. 1146 994 958 1028 949 1335
Peerless Indemnity Insurance Co. 1505 1708 1094 1212 1554 1313
Penn National Insurance Co. 1152 1262 907 939 1072 1118
Praetorian Insurance Company 1663 1663 1769 1769 1555 1555
Privilege Underwriters Reciprocal Exch. 1788 1788 2509 2509 1984 1984
Selective Ins. Co. of South Carolina 1639 1598 1705 1659 1723 1737
Southern Insurance Co. of VA 1155 1165 977 1003 1124 1187
Standard Guaranty Ins. Co. 2761 2761 1366 1366 2189 2189
Stillwater P & C Insurance Co. 1559 1558 1454 1507 1633 1435
Teachers Insurance Co. 887 887 927 927 852 852
Travelers Personal Insurance Co. 1434 1393 1286 1397 1265 1431
United Services Automobile Association 2156 1972 1465 1500 1736 1994
Unitrin Safeguard Insurance Co.
1345 1273 797 988 1066 1155
Universal Property & Casualty Ins. Co. 1278 1278 853 853 1050 1050
USAA Casualty Insurance Co. 2052 1876 1369 1402 1626 1869
USAA General Indemnity Co. 2494 2273 1697 1743 2032 2326
Vault Reciprocal Exchange 2577 2577 1984 1984 2397 2397
Vigilant Insurance Co. 2086 2086 904 904 1356 1338
Windsor Mt. Joy Mutual Insurance Co. 1108 1108 735 735 817 1094
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
53
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
Horace Mann Insurance Co. 1004 807 862 903 1089
Lemonade Insurance Co. 1397 1037 1165 1258 1604
Liberty Mutual Insurance Co. 2164 1184 1401 1356 2196
Lititz Mutual Insurance Co. 1069 1130 1507 1542 1542
Mutual Benefit Insurance Co. 1147 1141 1033 1031 1489
Nationwide Insurance Co. of America 1733 1266 1501 1332 1812
NGM Insurance Co. 995 1029 1082 887 1382
NJM Insurance Co. 1029 801 805 842 1083
Peerless Indemnity Insurance Co. 2068 1137 1344 1301 2100
Penn National Insurance Co. 1057 966 992 1041 1344
Praetorian Insurance Company 1507 2155 1445 1604 1850
Privilege Underwriters Reciprocal Exch. 2140 1948 2319 1783 2376
Selective Ins. Co. of South Carolina 1518 1636 1548 1259 1749
Southern Insurance Co. of VA 1193 1012 1163 1085 1310
Standard Guaranty Ins. Co. 2867 2127 2499 2462 3834
Stillwater P & C Insurance Co. 1588 1323 1490 1434 2066
Teachers Insurance Co. 914 744 758 825 1056
Travelers Personal Insurance Co. 1264 1095 1078 1195 1567
United Services Automobile Association 1868 1546 1726 1696 2096
Unitrin Safeguard Insurance Co. 1185 977 996 969 1706
Universal Property & Casualty Ins. Co. 1106 965 907 978 1499
USAA Casualty Insurance Co. 1764 1466 1638 1608 1984
USAA General Indemnity Co. 2201
1814 2040 2001 2458
Vault Reciprocal Exchange 2549 2383 2513 2458 2959
Vigilant Insurance Co. 1441 1876 1573 1782 2351
Windsor Mt. Joy Mutual Insurance Co. 1016 880 970 897 1289
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
54
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
AIG Property Casualty Company 502 498 510 510 403 480
Allstate Vehicle and Property Insurance Company
618 618 576 614 624 549
American Bankers Insurance Co. of FL 654 654 823 823 797 654
American Economy Insurance Co. 863 863 561 561 863 863
American National Property & Casualty Co. 363 357 415 415 455 430
American Property & Casualty Ins. Co. 467 467 518 518 429 448
American Strategic Insurance Corp. 984 1007 849 991 807 805
Amica Mutual Insurance Co. 730 730 831 831 871 871
Berkley Insurance Co. 586 591 705 705 601 648
Brethren Mutual 588 537 563 537 425 367
Chubb National Insurance Co. 621 621 791 791 693 693
Cincinnati Casualty Co. 386 334 544 571 403 495
Cincinnati Insurance Co. 343 343 336 336 343 343
CSAA General Insurance Co. 407 385 510 523 504 452
Cumberland Mutual Fire Insurance Co. 1456 1456 1685 1685 1482 1482
Encompass Home and Auto Insurance Company 821 853 965 965 854 1012
Erie Insurance Co. 673 477 997 704 658 710
Everett Cash Mutual Insurance Co. 532 532 595 595 581 581
Farmers Group Property & Casualty Ins. Co. 1544 1544 1244 1244 1699 1598
Farmers Insurance Exchange 1455 1564 1471 1471 1353 1406
Farmers Mutual Fire Ins. Co. of Salem Cnty. 521
518 1143 1143 748 1040
Farmers Property & Casualty Insurance Co. 1032 1032 927 927 983 1189
Federal Insurancec Co. 660 660 844 844 738 738
Garrison Property & Casualty Ins. Co. 602 548 714 741 565 663
Hartford Fire Insurance Co. 362 362 447 447 440 440
Homesite Insurance Co. of the Midwest 1128 1128 1273 1273 1127 1127
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
55
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
AIG Property Casualty Company 426 430 410 424 366
Allstate Vehicle and Property Insurance Company
540 450 544 431 563
American Bankers Insurance Co. of FL 559 559 645 576 725
American Economy Insurance Co. 803 803 1013 953 953
American National Property & Casualty Co. 299 294 384 323 312
American Property & Casualty Ins. Co. 388 388 499 458 458
American Strategic Insurance Corp. 685 1132 820 882 667
Amica Mutual Insurance Co. 613 734 709 649 647
Berkley Insurance Co. 457 525 637 473 469
Brethren Mutual 315 436 374 307 307
Chubb National Insurance Co. 467 562 693 505 467
Cincinnati Casualty Co. 284 302 336 279 275
Cincinnati Insurance Co. 308 308 355 320 336
CSAA General Insurance Co. 336 390 347 358 382
Cumberland Mutual Fire Insurance Co. 1095 930 981 1109 1109
Encompass Home and Auto Insurance Company 826 702 1012 851 704
Erie Insurance Co. 476 563 657 496 417
Everett Cash Mutual Insurance Co. 432 432 446 346 346
Farmers Group Property & Casualty Ins. Co. 1413 1493 1588 1513 1478
Farmers Insurance Exchange 1132 1162 1272 1210 1263
Farmers Mutual Fire Ins. Co. of Salem Cnty. 477 498 610 477 477
Farmers Property & Casualty Insurance Co. 739 939 918 955 820
Federal Insurancec Co. 493 594 738 534 493
Garrison Property & Casualty Ins. Co. 459 500
521 488 469
Hartford Fire Insurance Co. 308 308 368 313 313
Homesite Insurance Co. of the Midwest 929 929 1139 942 942
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
56
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
Horace Mann Insurance Co. 292 292 320 320 305 305
Lemonade Insurance Company 806 795 774 817 612 626
Liberty Insurance Corp. 900 900 934 934 958 960
Lititz Mutual Insurance Co. 1673 1673 1243 1048 1009 1888
LM Insurance Corp. 832 832 863 863 887 889
Mutual Benefit Insurance Co. 568 568 613 613 601 601
Nationwide Insurance Co. of America 687 633 847 847 630 522
NGM Insurance Co. 409 409 486 486 435 435
NJM Insurance Co. 806 548 706 810 561 719
Penn National Insurance Co. 318 318 359 359 347 347
Praetorian Insurance Company 738 738 932 932 811 811
Privilege Underwriters Reciprocal Exch. 1090 1090 1341 1341 1207 1207
Selective Ins. Co. of South Carolina 266 255 432 422 307 338
Southern Insurance Co. of VA 895 931 643 672 741 727
Stillwater P & C Insurance Co. 591 489 618 578 541 591
Teachers Insurance Co. 270 270 298 298 283 283
Travelers Personal Insurance Co. 817 807 719 850 533 676
United Services Automobile Association 565 516 663 688 524 617
Unitrin Safeguard Insurance Co. 379 404 403 500 390 379
Universal Property & Casualty Ins. Co.
404 404 506 506 392 392
USAA Casualty Insurance Co. 626 569 741 770 585 688
USAA General Indemnity Co. 510 466 602 623 478 559
Vault Reciprocal Exchange 1048 1048 1276 1276 1164 1164
Vigilant Insurance Co. 660 660 844 844 738 738
Windsor Mt. Joy Mutual Insurance Co. 640 640 816 816 674 807
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
57
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
Horace Mann Insurance Co. 240 245 266 245 261
Lemonade Insurance Company 500 638 543 482 502
Liberty Insurance Corp. 773 723 927 734 770
Lititz Mutual Insurance Co. 1130 730 1143 1542 1635
LM Insurance Corp. 715 669 858 679 713
Mutual Benefit Insurance Co. 467 467 580 479 479
Nationwide Insurance Co. of America 714 638 552 602 503
NGM Insurance Co. 313 345 440 348 356
NJM Insurance Co. 479 493 630 498 511
Penn National Insurance Co. 279 279 330 291 291
Praetorian Insurance Company 635 975 714 724 645
Privilege Underwriters Reciprocal Exch. 897 962 1318 848 897
Selective Ins. Co. of South Carolina 218 289 273 221 221
Southern Insurance Co. of VA 837 713 747 708 945
Stillwater P & C Insurance Co. 463 506 590 526 557
Teachers Insurance Co. 229 231 252 229 243
Travelers Personal Insurance Co. 441 447 635 476 497
United Services Automobile Association 426 464 484 454 438
Unitrin Safeguard Insurance Co. 333 323 343 333 385
Universal Property & Casualty Ins. Co. 337 308 360 355 355
USAA Casualty Insurance Co. 474 516 540 505 485
USAA General Indemnity Co. 392 425 442 415 400
Vault Reciprocal Exchange 866
927 1273 816 866
Vigilant Insurance Co. 493 594 738 534 493
Windsor Mt. Joy Mutual Insurance Co. 543 543 683 552 552
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
58
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
AIG Property Casualty Company 502 498 512 512 405 482
Allstate Vehicle and Property Insurance Company
618 618 576 614 624 549
American Bankers Insurance Co. of FL 654 654 806 806 797 654
American Economy Insurance Co. 852 852 399 399 852 852
American National Property & Casualty Co. 363 357 401 401 455 430
American Strategic Insurance Corp. 984 1007 839 981 807 805
Amica Mutual Insurance Co. 725 725 826 826 866 866
Berkley Insurance Co. 586 591 705 705 601 648
Brethren Mutual 761 827 717 680 493 476
Century-National Insurance Co. 273 273 273 273 273 273
Chubb National Insurance Co. 621 621 791 791 693 693
Cincinnati Casualty Co. 382 331 530 557 397 489
Cincinnati Insurance Co. 331 331 312 312 331 331
CSAA General Insurance Co. 418 395 478 491 511 456
Cumberland Mutual Fire Insurance Co. 1456 1456 1671 1671 1482 1482
Encompass Home and Auto Insurance Company 821 853 965 965 854 1012
Erie Insurance Co. 1543 1221 859 804 769 1007
Everett Cash Mutual Insurance Co. 553 553 602 602 602 602
Farmers Group Property & Casualty Ins. Co. 1312 1312 1040 1040 1444 1358
Farmers Insurance Exchange 1455 1564 1393 1393 1353 1406
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1392
1179 1091 1077 1049 1163
Farmers Property & Casualty Insurance Co. 1032 1032 911 911 983 1189
Federal Insurancec Co. 660 660 844 844 738 738
Garrison Property & Casualty Ins. Co. 602 548 714 741 565 663
Hartford Fire Insurance Co. 838 838 575 575 829 829
Homesite Insurance Co. of the Midwest 1120 1120 1252 1252 1118 1118
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
59
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
AIG Property Casualty Company 426 430 410 424 366
Allstate Vehicle and Property Insurance Company
540 450 544 431 563
American Bankers Insurance Co. of FL 559 559 628 559 708
American Economy Insurance Co. 792 792 852 792 792
American National Property & Casualty Co. 299 294 371 310 299
American Strategic Insurance Corp. 685 1132 810 872 657
Amica Mutual Insurance Co. 608 729 704 644 642
Berkley Insurance Co. 457 525 637 473 469
Brethren Mutual 411 562 476 390 390
Century-National Insurance Co. 273 273 391 391 391
Chubb National Insurance Co. 467 562 693 505 467
Cincinnati Casualty Co. 281 300 327 271 266
Cincinnati Insurance Co. 296 296 331 296 312
CSAA General Insurance Co. 346 397 335 348 386
Cumberland Mutual Fire Insurance Co. 1095 930 967 1095 1095
Encompass Home and Auto Insurance Company 826 702 1012 851 704
Erie Insurance Co. 1073 936 1024 1064 1303
Everett Cash Mutual Insurance Co. 453 453 553 453 453
Farmers Group Property & Casualty Ins. Co. 1201 1269 1333 1269 1239
Farmers Insurance Exchange 1132 1162 1194 1132 1185
Farmers Mutual Fire Ins. Co. of Salem Cnty. 1109 992 989 1052 1320
Farmers Property & Casualty Insurance Co. 739 939 902 939 804
Federal Insurancec Co. 493 594 738 534 493
Garrison Property & Casualty Ins. Co. 459 500
521 488 469
Hartford Fire Insurance Co. 809 640 773 715 1030
Homesite Insurance Co. of the Midwest 920 920 1118 920 920
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
60
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21122 21401 21214 21218 21117 21222
Insurer Anne Arundel Anne Arundel Baltimore City Baltimore City Baltimore County Baltimore County
Horace Mann Insurance Co. 270 270 298 298 283 283
Lemonade Insurance Company 792 781 760 803 598 612
Liberty Insurance Corp. 900 900 934 934 958 960
Lititz Mutual Insurance Co. 1009 1888 1602 1069 1048 1243
LM Insurance Corp. 832 832 863 863 887 889
Mutual Benefit Insurance Co. 562 562 595 595 595 595
Nationwide Insurance Co. of America 680 625 837 837 624 514
NGM Insurance Co. 409 409 475 475 435 435
NJM Insurance Co. 1146 548 704 808 561 719
Penn National Insurance Co. 727 727 449 449 630 630
Praetorian Insurance Company 738 738 932 932 811 811
Privilege Underwriters Reciprocal Exch. 1090 1090 1341 1341 1207 1207
Selective Ins. Co. of South Carolina 261 250 417 407 302 333
Southern Insurance Co. of VA 1190 1205 897 927 1045 1109
Stillwater P & C Insurance Co. 570 468 577 537 520 570
Teachers Insurance Co. 248 248 276 276 261 261
Travelers Personal Insurance Co. 815 805 703 834 532 674
United Services Automobile Association 565 516 663 688 524 617
Unitrin Safeguard Insurance Co. 1150 1092 655 791 842 932
Universal Property & Casualty Ins. Co.
n/a n/a n/a n/a n/a n/a
USAA Casualty Insurance Co. 626 569 741 770 585 688
USAA General Indemnity Co. 510 466 602 623 478 559
Vault Reciprocal Exchange 1048 1048 1276 1276 1164 1164
Vigilant Insurance Co. 660 660 844 844 738 738
Windsor Mt. Joy Mutual Insurance Co. 640 640 816 816 674 807
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
61
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Greater Baltimore Suburban area
Rates Effective as of 8/1/2024
21784 21921 21701 21014 21044
Insurer Carroll Cecil
Frederick
Harford Howard
Horace Mann Insurance Co. 218 223 244 223 239
Lemonade Insurance Company 486 624 529 468 488
Liberty Insurance Corp. 773 723 927 734 770
Lititz Mutual Insurance Co. 1077 1507 1542 1635 1592
LM Insurance Corp. 715 669 858 679 713
Mutual Benefit Insurance Co. 461 461 562 461 461
Nationwide Insurance Co. of America 708 630 542 593 492
NGM Insurance Co. 313 345 429 338 345
NJM Insurance Co. 479 493 628 496 509
Penn National Insurance Co. 703 558 672 624 893
Praetorian Insurance Company 635 975 714 724 645
Privilege Underwriters Reciprocal Exch. 897 962 1318 848 897
Selective Ins. Co. of South Carolina 213 284 262 213 213
Southern Insurance Co. of VA 1200 1017 1194 1099 1370
Stillwater P & C Insurance Co. 442 485 549 485 516
Teachers Insurance Co. 207 209 230 207 221
Travelers Personal Insurance Co. 439 445 615 462 482
United Services Automobile Association 426 464 484 454 438
Unitrin Safeguard Insurance Co. 967 880 862 835 1421
Universal Property & Casualty Ins. Co. n/a n/a n/a n/a n/a
USAA Casualty Insurance Co. 474 516 540 505 485
USAA General Indemnity Co. 392 425 442 415 400
Vault Reciprocal Exchange 866
927 1273 816 866
Vigilant Insurance Co. 493 594 738 534 493
Windsor Mt. Joy Mutual Insurance Co. 543 543 683 552 552
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
62
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
AIG Property Casualty Company 1230 1320 1290 1657 1069 1578 1218 1429
Allstate Vehicle and Property Insurance Co. 1935 2074 1918 2470 1975 2396 1798 2411
American Bankers Insurance Co. of FL 1063 1257 1484 1828 1230 1834 1271 1834
American Economy Insurance Co. 2471 2451 2031 2792 2243 2374 2190 2847
American National Property & Casualty Co. 1239 1224 1349 1739 1239 1715 1229 1636
American Security Insurance Co. 1791 1653 1985 3175 1663 2801 2065 2895
American Strategic Insurance Corp. 1279 1349 1462 2453 1132 1915 1255 3027
Amica Mutual Insurance Co. 1834 1820 2112 2888 1541 2734 1732 2222
Berkley Insurance Co. 807 1405 1004 1429 973 1333 1287 2206
Branch Insurance Exchange 1616 1858 1737 2450 1687 2394 1785 2643
Brethren Mutual Insurance Co. 984 1018 1148 1460 n/a 1343 875 1368
Chubb National Insurance Co. 1566 1753 1949 2696 1210 2324 1813 2534
Cincinnati Casualty Co. 1066 1226 1184 1790 1133 1565 1363 1865
Cincinnati Insurance Co. 1246 1216 1479 2035 1377 1973 1698 2278
CSAA General Insurance Co. 1395 1796 1779 3112 1416 2914 1643
2492
Cumberland Mutual Fire Insurance Co. n/a n/a n/a 1634 n/a 1438 n/a n/a
Encompass Home/Auto Insurance Co. 4394 n/a 5261 7270 n/a 6668 n/a n/a
Erie Insurance Co. 927 957 1223 1707 991 1812 1169 1782
Everett Cash Mutual Insurance Co. 865 847 1046 1453 671 1362 781 1141
Farmers Group Property & Casualty Ins. Co. 3035 2976 3576 5035 2248 4689 2776 3637
Farmers Insurance Exchange 2139 2412 2629 3774 1814 3123 2051 2881
Farmers Mutual Fire Ins. Co. of Salem Cnty. 945 1057 1051 1211 734 1400 889 1413
Farmers Property & Casualty Insurance Co. 2818 2758 3358 4762 2051 4429 2561 3413
Federal Insurancec Co. 1647 1845 2051 2840 1271 2446 1906 2534
Garrison Property & Casualty Ins. Co. 2261 2469 2407 3532 2137 2975 2581 3889
Hartford Fire Insurance Co. 1503 1618 1497 2211 1537 1762 1526 1753
Homesite Insurance Co. 1932 2683 2383 2158 2225 2476 2217 2208
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
63
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 1
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
Horace Mann Insurance Co. 1019 1105 1156 1579 895 1527 1006 1402
Lemonade Insurance Co. 1124 1335 1213 1561 1270 1690 1216 1469
Liberty Mutual Insurance Co. 995 1097 1252 1905 835 1722 942 1598
Lititz Mutual Insurance Co. 1009 1069 1143 1592 807 1603 937 1837
Mutual Benefit Insurance Co. 1453 1519 1699 2373 1136 2258 1330 2484
Nationwide Insurance Co. of America 1752 1706 2020 2833 1714 2472 1921 2588
NGM Insurance Co. 1399 1367 1507 2500 973 2207 1272 1704
NJM Insurance Co. 1151 1398 1271 n/a 1325 1710 1337 2199
Peerless Indemnity Insurance Co. 959 1058 1199 1820 806 1650 906 1533
Penn National Insurance Co. 1304 1415 1446 1822 1173 1874 1213 1826
Praetorian Insurance Company 1939 2557 2228 3334 2163 3694 1779 2062
Privilege Underwriters Reciprocal Exch. 2602 2905 3098 3371 2470 3310 2789 3351
Selective Ins. Co. of South Carolina 2244 2253 2454 3343 2059 3238 1994 3012
Southern Insurance Co. of VA 1285 1416 1429 1904 1219 1753 1240 1698
Standard Guaranty Ins. Co. 2176 1829 2315 3866 1839 3098 2408
3378
Stillwater P & C Insurance Co. 1373 1450 1536 2142 1345 2130 1302 1489
Teachers Insurance Co. 922 1013 1045 1424 822 1377 923 1384
Travelers Personal Insurance Co. 1239 1314 1258 1550 1488 1464 1415 1947
United Services Automobile Association 1978 2156 2098 3106 1873 2589 2272 3475
Unitrin Safeguard Insurance Co. 848 987 1026 1521 893 1312 1026 1459
Universal Property & Casualty Ins. Co. 899 966 1083 1690 747 1546 834 1277
USAA Casualty Insurance Co. 1875 2064 1978 2982 1803 2475 2174 3404
USAA General Indemnity Co. 2266 2461 2428 3507 2118 2972 2566 3788
Vault Reciprocal Exchange 2878 2843 3032 3299 2418 3239 2730 3044
Vigilant Insurance Co. 1611 1804 2007 2776 1243 2392 1864 2534
Windsor Mt. Joy Mutual Insurance Co. 772 756 801 1266 755 1191 795 1052
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
64
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
AIG Property Casualty Company 1153 1213 1202 1496 979 1439 1140 1286
Allstate Vehicle and Property Insurance Co. 1474 1625 1497 2035 1508 1944 1413 2019
American Bankers Insurance Co. of FL 970 1202 1347 1730 1178 1751 1143 1730
American Economy Insurance Co. 2243 2493 1874 2726 2279 2434 2022 2769
American National Property & Casualty Co. 1214 1197 1355 1800 1159 1758 1188 1617
American Security Insurance Co. 1588 1653 1761 3175 1663 2801 1831 2895
American Strategic Insurance Corp. 1279 1382 1463 2461 1164 1951 1248 3038
Amica Mutual Insurance Co. 1487 1479 1710 2361 1255 2209 1407 1801
Berkley Insurance Co. 738 1277 916 1298 888 1212 1170 1998
Branch Insurance Exchange 1232 1451 1330 1960 1318 1863 1330 2066
Brethren Mutual Insurance Co. 782 821 917 1186 n/a 1097 693 1102
Chubb National Insurance Co. 1485 1631 1846 2542 1128 2157 1719 2391
Cincinnati Casualty Co. 836 987 930 1455 915 1243 1096 1574
Cincinnati Insurance Co. 1025 987 1211 1656 1114 1584 1386 1851
CSAA General Insurance Co. 1346 1666 1692 2837 1335 2685 1573
2316
Cumberland Mutual Fire Insurance Co. n/a n/a n/a 1394 n/a 1234 n/a n/a
Encompass Home/Auto Insurance Co. 3585 n/a 4299 5962 n/a 5430 n/a n/a
Erie Insurance Co. 731 773 950 1267 786 1407 953 1473
Everett Cash Mutual Insurance Co. 865 847 1046 1453 671 1362 781 1141
Farmers Group Property & Casualty Ins. Co. 2605 2555 3065 4305 1936 4011 2385 3117
Farmers Insurance Exchange 1481 1837 1812 2780 1387 2371 1426 2124
Farmers Mutual Fire Ins. Co. of Salem Cnty. 864 998 956 1283 849 1455 954 1702
Farmers Property & Casualty Insurance Co. 2274 2286 2704 3929 1706 3656 2068 2823
Federal Insurancec Co. 1561 1714 1942 2677 1183 2269 1807 2391
Garrison Property & Casualty Ins. Co. 2195 2473 2341 3452 2139 2980 2512 3813
Hartford Fire Insurance Co. 1054 1289 1054 1810 1226 1405 1068 1457
Homesite Insurance Co. 1760 2359 2151 1957 1983 2177 2006 1997
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
65
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Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 2
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
Horace Mann Insurance Co. 878 952 994 1354 773 1310 867 1203
Lemonade Insurance Co. 1043 1213 1123 1434 1156 1524 1126 1352
Liberty Mutual Insurance Co. 869 1034 1080 1661 777 1617 837 1437
Lititz Mutual Insurance Co. 1243 1130 1542 1653 1603 872 1837 582
Mutual Benefit Insurance Co. 1245 1301 1454 1934 976 1929 1141 2025
Nationwide Insurance Co. of America 1322 1313 1516 2241 1331 1939 1437 2047
NGM Insurance Co. 1119 1094 1205 2000 778 1765 1017 1363
NJM Insurance Co. 922 1136 1011 n/a 1084 1385 1061 1706
Peerless Indemnity Insurance Co. 840 997 1041 1593 754 1550 809 1377
Penn National Insurance Co. 974 1035 1078 1326 865 1357 909 1119
Praetorian Insurance Company 1745 2301 2005 3001 1947 3325 1601 1856
Privilege Underwriters Reciprocal Exch. 2396 2766 2850 3208 2353 3150 2567 3190
Selective Ins. Co. of South Carolina 1758 1687 1921 2499 1535 2430 1562 2183
Southern Insurance Co. of VA 951 1073 1065 1496 927 1323 921 1337
Standard Guaranty Ins. Co. 2176 1829 2315 3866 1839 3098 2408
3378
Stillwater P & C Insurance Co. 1345 1440 1502 2113 1331 2108 1255 1489
Teachers Insurance Co. 796 873 900 1223 710 1183 796 1189
Travelers Personal Insurance Co. 1036 1151 1063 1417 1240 1291 1195 1813
United Services Automobile Association 1923 2163 2042 3041 1878 2597 2213 3412
Unitrin Safeguard Insurance Co. 727 853 868 1312 767 1118 875 1285
Universal Property & Casualty Ins. Co. 923 990 1108 1569 772 1570 858 1193
USAA Casualty Insurance Co. 1827 2067 1930 2918 1804 2477 2123 3340
USAA General Indemnity Co. 2202 2467 2364 3429 2121 2978 2499 3716
Vault Reciprocal Exchange 2740 2707 2886 3140 2303 3083 2599 2898
Vigilant Insurance Co. 1526 1677 1901 2616 1158 2220 1768 2391
Windsor Mt. Joy Mutual Insurance Co. 819 803 848 1313 802 1238 842 1099
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
66
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Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
AIG Property Casualty Company 1058 1185 1102 1504 979 1433 1049 1268
Allstate Vehicle and Property Insurance Co. 1196 1393 1232 1803 1250 1743 1176 1805
American Bankers Insurance Co. of FL 817 916 1116 1501 913 1373 935 1455
American Economy Insurance Co. 1586 1795 1352 2147 1656 1767 1511 2226
American National Property & Casualty Co. 1007 1095 1122 1649 1046 1615 982 1516
American Security Insurance Co. 1519 1334 1682 2678 1341 2242 1748 2443
American Strategic Insurance Corp. 1016 1400 1172 2697 1164 2138 985 2963
Amica Mutual Insurance Co. 1345 1362 1543 2177 1157 2030 1272 1692
Berkley Insurance Co. 659 1154 827 1204 791 1123 1028 1833
Branch Insurance Exchange 977 1173 1051 1578 1055 1504 1052 1633
Brethren Mutual Insurance Co. 677 709 792 1097 n/a 945 599 1019
Chubb National Insurance Co. 1418 1832 1724 2501 1312 2341 1640 2396
Cincinnati Casualty Co. 759 1016 846 1458 912 1274 1014 1632
Cincinnati Insurance Co. 828 939 978 1600 1056 1533 1103 1750
CSAA General Insurance Co. 996 1295 1156 2165 1025 2006 1103
1677
Cumberland Mutual Fire Insurance Co. n/a n/a n/a 1396 n/a 1239 n/a n/a
Encompass Home/Auto Insurance Co. 3240 n/a 3874 5292 n/a 4985 n/a n/a
Erie Insurance Co. 677 717 880 1254 708 1285 889 1452
Everett Cash Mutual Insurance Co. 775 759 932 1288 603 1207 699 1237
Farmers Group Property & Casualty Ins. Co. 2190 2139 2661 3902 1624 3607 1992 2713
Farmers Insurance Exchange 1195 1458 1451 2326 1188 1969 1154 1806
Farmers Mutual Fire Ins. Co. of Salem Cnty. 788 876 869 1116 749 1261 868 1470
Farmers Property & Casualty Insurance Co. 1996 2006 2416 3574 1441 3319 1796 2529
Federal Insurancec Co. 1482 1920 1805 2628 1369 2458 1716 2396
Garrison Property & Casualty Ins. Co. 1620 2110 1740 2893 1792 2569 1844 3188
Hartford Fire Insurance Co. 804 848 797 1241 815 955 813 1024
Homesite Insurance Co. 1689 2114 2005 1876 1827 1948 1878 1900
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
67
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 3
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
Horace Mann Insurance Co. 736 869 831 1267 710 1192 727 1124
Lemonade Insurance Co. 974 1039 1055 1366 994 1312 1048 1290
Liberty Mutual Insurance Co. 734 863 907 1459 668 1262 738 1315
Lititz Mutual Insurance Co. 1048 730 1542 807 872 937 582 1568
Mutual Benefit Insurance Co. 1036 1065 1205 1672 807 1565 952 1748
Nationwide Insurance Co. of America 1095 1184 1249 2010 1134 1773 1139 1610
NGM Insurance Co. 829 843 891 1531 604 1353 755 950
NJM Insurance Co. 692 881 997 n/a 838 1027 760 1293
Peerless Indemnity Insurance Co. 711 833 874 1402 649 1213 714 1262
Penn National Insurance Co. 871 983 965 1331 822 1297 813 1103
Praetorian Insurance Company 1542 1553 1764 2682 1323 2219 1418 1331
Privilege Underwriters Reciprocal Exch. 1876 2130 2226 2466 1816 2422 2008 2558
Selective Ins. Co. of South Carolina 1573 1474 1729 2362 1337 2152 1392 2045
Southern Insurance Co. of VA 771 955 858 1267 830 1184 752 1130
Standard Guaranty Ins. Co. 1991 1673 2118 3536 1683 2834 2203
3089
Stillwater P & C Insurance Co. 1121 1198 1248 1894 1065 1763 1053 1300
Teachers Insurance Co. 671 800 756 1147 655 1080 671 1111
Travelers Personal Insurance Co. 887 1055 914 1353 1058 1204 1012 1593
United Services Automobile Association 1421 1853 1519 2551 1582 2248 1626 2857
Unitrin Safeguard Insurance Co. 563 843 670 1257 752 1093 676 1258
Universal Property & Casualty Ins. Co. 924 952 1100 1611 753 1479 863 1235
USAA Casualty Insurance Co. 1358 1776 1444 2460 1525 2150 1568 2807
USAA General Indemnity Co. 1624 2110 1756 2876 1782 2576 1833 3106
Vault Reciprocal Exchange 2500 2537 2633 2941 2159 2888 2373 2715
Vigilant Insurance Co. 1453 1882 1769 2572 1343 2406 1681 2396
Windsor Mt. Joy Mutual Insurance Co. 725 758 750 1230 763 1160 743 1040
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
68
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Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
AIG Property Casualty Company 1116 1195 1160 1496 974 1412 1105 1271
Allstate Vehicle and Property Insurance Co. 1268 1489 1299 1801 1385 1773 1223 1806
American Bankers Insurance Co. of FL 900 1090 1218 1549 1080 1589 1022 1506
American Economy Insurance Co. 1928 2520 1695 2665 2287 2532 1789 2657
American National Property & Casualty Co. 1062 1125 1185 1700 1083 1659 1038 1527
American Security Insurance Co. 1519 1507 1682 2678 1517 2534 1748 2443
American Strategic Insurance Corp. 1336 1306 1570 2264 1098 1863 1243 2625
Amica Mutual Insurance Co. 1376 1381 1569 2207 1184 2028 1304 1721
Berkley Insurance Co. 674 1154 845 1204 791 1123 1054 1833
Branch Insurance Exchange 1110 1437 1192 1848 1321 1802 1162 1824
Brethren Mutual Insurance Co. 727 776 849 1094 n/a 1028 647 1003
Chubb National Insurance Co. 1403 1558 1707 2341 1127 1978 1622 2242
Cincinnati Casualty Co. 939 1095 1081 1644 1048 1423 1337 1882
Cincinnati Insurance Co. 916 886 1075 1464 988 1406 1207 1595
CSAA General Insurance Co. 1057 1474 1267 2533 1198 2313 1169
2039
Cumberland Mutual Fire Insurance Co. n/a n/a n/a 1290 n/a 1153 n/a n/a
Encompass Home/Auto Insurance Co. 2954 n/a 3521 4959 n/a 4480 n/a n/a
Erie Insurance Co. 645 681 837 1128 666 1212 865 1301
Everett Cash Mutual Insurance Co. 701 687 843 1163 547 1092 634 1118
Farmers Group Property & Casualty Ins. Co. 2044 2007 2427 3545 1547 3278 1879 2474
Farmers Insurance Exchange 1505 1924 1833 2757 1550 2620 1454 2136
Farmers Mutual Fire Ins. Co. of Salem Cnty. 798 942 876 1153 813 1346 875 1505
Farmers Property & Casualty Insurance Co. 1907 1979 2295 3395 1451 3242 1721 2418
Federal Insurancec Co. 1466 1630 1785 2457 1176 2073 1698 2242
Garrison Property & Casualty Ins. Co. 1731 2154 1871 2908 1839 2636 1940 3123
Hartford Fire Insurance Co. 905 1201 906 1484 1143 1328 918 1199
Homesite Insurance Co. 1538 2095 1886 1752 1751 1929 1754 1795
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
69
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Homeowners Policy Scenario 4
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
Horace Mann Insurance Co. 738 852 833 1208 697 1168 729 1073
Lemonade Insurance Co. 1003 1085 1075 1363 1043 1340 1071 1282
Liberty Mutual Insurance Co. 972 1277 1211 1926 933 2138 921 1688
Lititz Mutual Insurance Co. 1602 1077 1635 1603 937 1837 1568 1568
Mutual Benefit Insurance Co. 988 1021 1138 1481 790 1466 913 1544
Nationwide Insurance Co. of America 1260 1347 1442 2161 1369 1991 1300 1966
NGM Insurance Co. 865 888 930 1613 635 1425 788 989
NJM Insurance Co. 800 1095 858 n/a 1049 1302 876 1531
Peerless Indemnity Insurance Co. 935 1227 1163 1845 899 2043 889 1616
Penn National Insurance Co. 919 956 1017 1260 802 1253 857 1037
Praetorian Insurance Company 1652 2141 1881 2754 1830 3038 1526 1403
Privilege Underwriters Reciprocal Exch. 1642 2065 1946 2311 1761 2348 1757 2441
Selective Ins. Co. of South Carolina 1490 1477 1646 2187 1344 2126 1336 1929
Southern Insurance Co. of VA 948 1108 1047 1424 984 1334 928 1279
Standard Guaranty Ins. Co. 1991 1673 2118 3536 1683 2834 2203
3089
Stillwater P & C Insurance Co. 1194 1283 1322 1786 1193 1822 1118 1254
Teachers Insurance Co. 673 785 758 1094 643 1059 673 1060
Travelers Personal Insurance Co. 1071 1226 1103 1455 1312 1372 1213 1732
United Services Automobile Association 1513 1881 1629 2559 1611 2292 1705 2794
Unitrin Safeguard Insurance Co. 807 1036 977 1623 921 1375 1004 1638
Universal Property & Casualty Ins. Co. 799 858 962 1371 665 1372 741 1042
USAA Casualty Insurance Co. 1441 1791 1543 2452 1542 2177 1637 2726
USAA General Indemnity Co. 1741 2153 1893 2897 1828 2640 1937 3052
Vault Reciprocal Exchange 2260 2234 2381 2587 1904 2541 2146 2390
Vigilant Insurance Co. 1438 1599 1749 2406 1154 2032 1664 2242
Windsor Mt. Joy Mutual Insurance Co. 709 695 734 1124 693 1060 729 942
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
70
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
AIG Property Casualty Company 484 453 414 369 444 353 448 436
Allstate Vehicle and Property Insurance Company
457 419 434 339 397 346 397 556
American Bankers Insurance Co. of FL 723 666 666 568 649 568 649 654
American Economy Insurance Co. 863 953 953 745 803 745 803 803
American National Property & Casualty Co. 403 347 318 260 399 320 399 586
American Property & Casualty Ins. Co. 467 491 491 381 455 381 421 455
American Strategic Insurance Corp. 791 737 682 545 732 595 677 709
Amica Mutual Insurance Co. 847 744 744 624 734 624 734 758
Berkley Insurance Co. 674 564 544 414 564 414 564 556
Brethren Mutual 545 443 464 n/a 478 n/a 436 442
Chubb National Insurance Co. 724 612 584 442 612 442 612 596
Cincinnati Casualty Co. 330 337 289 211 376 205 417 373
Cincinnati Insurance Co. 343 320 320 274 308 274 308 376
CSAA General Insurance Co. 386 449 415 431 409 431 416 423
Cumberland Mutual Fire Insurance Co. 1111 958 944 770 970 770 944 1323
Encompass Home and Auto Insurance Company 853 758 724 553 748 553 748 916
Erie Insurance Co. 702 758 426 349 797 248 440 420
Everett Cash Mutual Insurance Co. 532 446 346 334 432 334 432 780
Farmers Group Property & Casualty Ins. Co. 1450 1329 1329 1118 1309 1118 1309 1309
Farmers Insurance Exchange 1317 1248 1248 1023 1109 1023 1109 1164
Farmers Mutual Fire Ins. Co. of Salem Cnty. 595 509 512 506 509 423 503 683
Farmers Property & Casualty Insurance Co. 870 732 732 558 716 558 716 716
Federal Insurancec Co. 767 650 619 464 650 464 650 631
Garrison Property & Casualty Ins. Co. 592 567 518 437 580 449 576 557
Hartford Fire Insurance Co. 362 313 313 254 308 254 308 308
Homesite Insurance Co. of the Midwest 1264 1050 1050 811 1037 811 1037 1002
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
71
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Condominium Policy Scenario 5
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
Horace Mann Insurance Co. 272 245 245 219 245 219 245 245
Lemonade Insurance Company 774 705 668 608 799 576 724 587
Liberty Insurance Corp. 924 770 770 616 770 616 770 793
Lititz Mutual Insurance Co. 1069 1507 1635 872 1837 582 1568 1245
LM Insurance Corp. 856 713 713 570 713 570 713 734
Mutual Benefit Insurance Co. 568 479 479 366 467 366 467 467
Nationwide Insurance Co. of America 660 678 639 614 615 598 634 593
NGM Insurance Co. 409 356 323 293 345 278 345 358
NJM Insurance Co. 528 564 454 492 747 424 552 705
Penn National Insurance Co. 318 291 291 240 279 240 279 279
Praetorian Insurance Company 944 884 884 904 975 804 874 816
Privilege Underwriters Reciprocal Exch. 1242 962 962 681 962 681 962 828
Selective Ins. Co. of South Carolina 320 272 289 242 285 234 281 272
Southern Insurance Co. of VA 768 1006 811 1446 824 1424 733 1428
Stillwater P & C Insurance Co. 598 539 541 525 537 471 521
491
Teachers Insurance Co. 255 231 231 207 231 207 231 231
Travelers Personal Insurance Co. 559 574 466 603 942 443 608 819
United Services Automobile Association 556 534 484 414 549 422 544 543
Unitrin Safeguard Insurance Co. 333 375 335 321 407 300 406 406
Universal Property & Casualty Ins. Co. 343 326 326 271 308 271 308 349
USAA Casualty Insurance Co. 614 588 536 453 602 464 597 582
USAA General Indemnity Co. 501 482 441 377 492 385 489 477
Vault Reciprocal Exchange 1195 927 927 658 927 658 927 790
Vigilant Insurance Co. 767 650 619 464 650 464 650 631
Windsor Mt. Joy Mutual Insurance Co. 640 525 485 392 695 392 598 593
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
Check with your insurer or insurance producer to determine how much coverage your policy includes for Additons / Alterations / Improvements
made to your unit at your expense after your purchase of the unit. You may need to purchasea higher limit for this limit.
72
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
AIG Property Casualty Company 484 459 414 369 444 353 448 438
Allstate Vehicle and Property Insurance Company
457 419 434 339 397 346 397 556
American Bankers Insurance Co. of FL 723 649 649 568 649 568 649 654
American Economy Insurance Co. 852 792 792 734 792 734 792 792
American National Property & Casualty Co. 403 334 304 260 399 320 399 586
American Strategic Insurance Corp. 791 727 672 545 732 595 677 709
Amica Mutual Insurance Co. 842 739 739 619 729 619 729 753
Berkley Insurance Co. 674 564 544 414 564 414 564 556
Brethren Mutual 589 562 589 n/a 618 n/a 562 570
Century-National Insurance Co. 273 391 391 273 273 273 273 273
Chubb National Insurance Co. 724 612 584 442 612 442 612 596
Cincinnati Casualty Co. 327 329 281 209 371 203 412 368
Cincinnati Insurance Co. 331 296 296 262 296 262 296 364
CSAA General Insurance Co. 384 432 403 458 404 454 416 432
Cumberland Mutual Fire Insurance Co. 1111 944 930 770 970 770 944 1323
Encompass Home and Auto Insurance Company 853 758 724 553 748 553 748 916
Erie Insurance Co. 731 773 950 1267 786 1407 953 1473
Everett Cash Mutual Insurance Co. 553 453 453 355 453 355 453 800
Farmers Group Property & Casualty Ins. Co. 1233 1113 1113 950 1113 950 1113 1113
Farmers Insurance Exchange 1317 1170 1170 1023 1109 1023 1109 1164
Farmers Mutual Fire Ins. Co. of Salem Cnty. 864 998 956 1283 849 1455 954 1702
Farmers Property & Casualty Insurance Co. 870 716 716 558 716 558 716 716
Federal Insurancec Co. 767 650 619 464 650 464 650 631
Garrison Property & Casualty Ins. Co. 592 567 518 437 580 449 576 557
Hartford Fire Insurance Co. 540 530 636 848 421 802 503 648
Homesite Insurance Co. of the Midwest 1255 1029 1029 803 1029 803 1029 993
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
73
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Renters Policy Scenario 6
Eastern Shore (w/o Cecil)
Rates Effective as of 8/1/2024
21629 21613 21620 21666
21853 21601 21804 21811
Insurer Caroline Dorchester Kent Queen Anne's Somerset Talbot
Wicomico
Worcester
Horace Mann Insurance Co. 250 223 223 197 223 197 223 223
Lemonade Insurance Company 760 691 654 594 785 562 710 573
Liberty Insurance Corp. 924 770 770 616 770 616 770 793
Lititz Mutual Insurance Co. 730 1542 1653 1837 1568 1568 1245 1560
LM Insurance Corp. 856 713 713 570 713 570 713 734
Mutual Benefit Insurance Co. 562 461 461 360 461 360 461 461
Nationwide Insurance Co. of America 654 669 629 608 609 592 628 587
NGM Insurance Co. 409 345 313 293 345 278 345 358
NJM Insurance Co. 528 562 452 492 747 424 552 705
Penn National Insurance Co. 477 469 557 737 372 696 444 565
Praetorian Insurance Company 944 884 884 904 975 804 874 816
Privilege Underwriters Reciprocal Exch. 1242 962 962 681 962 681 962 828
Selective Ins. Co. of South Carolina 315 262 277 237 280 229 276 267
Southern Insurance Co. of VA 951 1073 1065 1496 927 1323 921 1337
Stillwater P & C Insurance Co. 577 498 500 504 516 450 500
470
Teachers Insurance Co. 233 209 209 185 209 185 209 209
Travelers Personal Insurance Co. 557 565 457 601 938 443 606 818
United Services Automobile Association 556 534 484 414 549 422 544 543
Unitrin Safeguard Insurance Co. 727 853 868 1312 767 1118 875 1285
Universal Property & Casualty Ins. Co. n/a n/a n/a n/a n/a n/a n/a n/a
USAA Casualty Insurance Co. 614 588 536 453 602 464 597 582
USAA General Indemnity Co. 501 482 441 377 492 385 489 477
Vault Reciprocal Exchange 1195 927 927 658 927 658 927 790
Vigilant Insurance Co. 767 650 619 464 650 464 650 631
Windsor Mt. Joy Mutual Insurance Co. 640 525 485 392 695 392 598 593
* Indicates those insurers that consider credit scores in determining premiums. Refer to "Notes to Rate Tables"
n/a = Insurers that do not have rates available based on the criteria in the scenario, such as an at-fault accident.
74
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Insurer Phone Numbers and Websites
Note: If there is no phone number shown for an insurer, look in the Yellow Pages for an insurance producer (also known as an agent or broker)
in your area. You may also find information on the insurer's website. Insurance producers sell coverage on the insurer's behalf and can
locate coverage on your behalf.
AIG Property Casualty Co. See Yellow Pages www.aig.com
Allstate Insurance Co. 800-255-7828 www.allstate.com
Allstate Vehicle & Property Insurance Co. 800-255-7828 www.allstate.com
American Bankers Ins. Co. 877-893-5739 www.assurant.com
American Economy Insurance Co. 800-332-3226 www.safeCo.com
American Modern Home Insurance Co. 800-543-2644 www.amig.com
American National Property & Casualty Co.
800-843-3276 ww
w.americannational.com
American Property & Casualty Ins. Co. 800-543-2644 www.amig.com
American Security Ins. Co. 877-893-5739 www.assurant.com
American Strategic Insurance Corp. 866-274-8765 www.americanstrategic.com
Amica Mutual Insurance Co. 800-242-6422
www.Amica.com
Ber
kley Insurance Co. 855-663-8551 https://www.berkleyone.com/offerings/dwell/home/
Branch Insurance Exchange 855-441-7033 www.ourbranch.com
Brethren Mutual Insurance Co. 800-621-4264 www.bmic.com
Century-National Insurance Co. 800-462-2123 www.nationalgeneral.com
Chubb National Insurance Co. 866-324-8222 www.chubb.com
Cincinnati Casualty Co.
888-242-8811 ww
w.cinfin.com
Cincinnati Insurance Co.
888-242-8811 ww
w.cinfin.com
CSAA General Insurance Co. 888-222-0094 http://midatlantic.aaa.com/Insurance/InsurewithAAA
Cumberland Mutual Fire Insurance Co. 800-232-6992 www.cumberlandmutual.com
Encompass Home/Auto Insurance Co. 800-588-7400 www.encompassinsurance.com
Erie Insurance Co. 800-458-0811 www.erieinsurance.com
Everett Cash Mutual Insurance Co. 800-326-4968 www.everettcash.com
Farmers Group Property & Casualty Ins. Co. 800-422-4272 www.farmers.com
Farmers Insurance Exchange 888-327-6335 www.farmers.com
Farmers Mutual Fire Ins. Co. of Salem Cnty. 800-498-0954 www.farmersofsalem.com
Farmers Property & Casualty Insurance Co. 800-422-4272 www.farmers.com
Federal Insurance Co. 866-324-8222 www.chubb.com
Garrison Property & Casualty Ins. Co. 800-531-8722 www.usaa.com
Hartford Fire Insurance Co. 888-413-8970 www.thehartford.com
Homesite Insurance Co.
800-947-0713 htt
ps://go.homesite.com/
Homesite Insurance Co. of the Midwest
800-947-0713
https://go.homesite.com/
75
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Insurer Phone Numbers and Websites
Note: If there is no phone number shown for an insurer, look in the Yellow Pages for an insurance producer (also known as an agent or broker)
in your area. You may also find information on the insurer's website. Insurance producers sell coverage on the insurer's behalf and can
locate coverage on your behalf.
Horace Mann Insurance Co. 800-999-1030 www.horacemann.com
Lemonade Insurance Company 844-733-8666 www.lemonade.com
Liberty Insurance Corp. 800-837-5254 www.libertymutual.com
Liberty Mutual Personal Insurance Co. 800-837-5254 www.libertymutual.com
Lititz Mutual Insurance Co. 800-626-4751 www.lititzmutual.com
LM Insurance Corp. 800-837-5254 www.libertymutual.com
Markel American Insurance Co. 800-236-2862 n/a
Mutual Benefit Insurance Co. 800-283-3531 www.mutualbenefitgroup.com
Nationwide Insurance Co. of America 888-890-4630 www.nationwide.com
NGM Insurance Co. 800-226-0875 www.msainsurance.com
NJM Insurance Co. 800-232-6600 / 833-869-1361 www.njm.com
Peerless Indemnity Insurance Company 800-837-5254 www.libertymutual.com
Penn National Insurance Co. 800-388-4764 www.PennNationalInsurance.com
Praetorian Insuance Company
800-660-4539 WW
W.QBENA.COM
Privilege Underwriters Reciprocal Exch. 888-813-7873 https://www.pureinsurance.com/
Progressive Specialty Insurance Co. 866-274-8765 www.americanstrategic.com
Safeco Insurance Co. of America 800-332-3226 www.safeCo.com
Selective Ins. Co. of South Carolina 800-877-9656 www.selective.com
Southern Insurance Co. of VA 800-877-0600 www.donegalgroup.com
Standard Guaranty Ins. Co. 877-893-5739 www.assurant.com
State Farm Fire & Casualty Co. 800-STATE-FARM (800-782-8332) www.statefarm.com
Stillwater P & C Insurance Co. 855-712-4092 www.stillwaterinsurance.com
Teachers Insurance Co. 800-999-1030 www.horacemann.com
Travelers Personal Insurance Co. 888-695-4625 www.travelers.com
United Services Automobile Association 800-531-8722 www.usaa.com
Unitrin Safeguard Insurance Co. 866-860-9348 www.kemper.com
Universal Property & Casualty Ins. Co. 800-425-9113 www.universalproperty.com
USAA Casualty Insurance Co. 800-531-8722 www.usaa.com
USAA General Indemnity Co. 800-531-8722 www.usaa.com
Vault Reciprocal Exchange 844-368-2858 https://vault.insurance/
Vigilant Insurance Co. 866-324-8222 www.chubb.com
Windsor Mt. Joy Mutual Insurance Co. 800-233-0228 www.windsormountjoy.com
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August 2024
Maryland Insurance Administration
1-
800-492-6116 ww
w.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Home Boats
Personal
Watercraft
Manufactured
homes
Farmowners Notes / Limitations
Agency Agency Insurance Co.
AIG
AIG Property Casualty Co. Y Y Y
Encompass Home/Auto Insurance Co. Y Y Y
Allstate Property & Casualty Insurance Co. Y Y
Allstate Insurance Co. Y* Y *Renters Only
Allstate Indemnity Co.
Integon Indemnity Corp.
National General Insurance Co.
Century-National Insurance Co. Y* *Renters Only
Integon Preferred Insurance Co.
Allstate Vehicle & Property Insurance Co. Y* *Home/Condo Only
National General Assurance Co.
Homesite Insurance Co. of the Midwest Y Y* *Requires Home Policy
NGM Insurance Co. Y Y* *Requires Home Policy
Homesite Insurance Co. Y Y* *Requires Home Policy
American Family Connect P & C Ins. Co. Y Y* *Requires Home policy
Old Dominion Insurance Co. *Requires Auto Policy
Amica Property and Casualty Co.
Amica Mutual Insurance Co. Y Y A *Snowmobiles Only
American Modern Home Insurance Co. Y* *Renters only.
American Property & Casualty Ins. Co. Y* Y Y Y *Condos only
American Bankers Insurance Co. of FL Y Y
American Security Ins. Co. Y
Standard Guaranty Ins. Co. Y
AXA
XL Specialty Insurance Co.
Berkley Insurance Co. Y Y Y
Riverport Insurance Co.
Branch Branch Insurance Exchange Y
Brethren Mutual Brethren Mutual Insurance Co. Y Y Y
Chubb National Insurance Co. Y
Federal Insurance Co. Y Y* Y* *Moored in the Continental US
Vigilant Insurance Co. Y
Indemnity Insurance Co. of North America Y
Allstate
American Family
AMICA
AMIG
Assurant
Berkley
Chubb / ACE
77
August 2024
Maryland Insurance Administration 1-800-492-6116 w
ww.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Auto
Motorcycle
and Scooter
RV &
Trailers ATV GAP
Antique/
Collector
Notes / Limitations
Agency Agency Insurance Co. Y Y Y
AIG
AIG Property Casualty Co. Y Y Y Y Y Y
Encompass Home/Auto Insurance Co. Y Y Y Y Y Y
Allstate Property & Casualty Insurance Co. Y Y
Allstate Insurance Co. *Renters Only
Allstate Indemnity Co. Y Y
Integon Indemnity Corp. Y
National General Insurance Co. Y
Century-National Insurance Co. *Renters Only
Integon Preferred Insurance Co. Y
Allstate Vehicle & Property Insurance Co. Y *Home/Condo Only
National General Assurance Co. Y Y Y
Homesite Insurance Co. of the Midwest *Requires Home Policy
NGM Insurance Co. *Requires Home Policy
Homesite Insurance Co. *Requires Home Policy
American Family Connect P & C Ins. Co. Y *Requires Home policy
Old Dominion Insurance Co. Y Y* Y* Y *Requires Auto Policy
Amica Property and Casualty Co. Y Y
Amica Mutual Insurance Co. Y Y Y Y* Y Y *Snowmobiles Only
American Modern Home Insurance Co. *Renters only.
American Property & Casualty Ins. Co. Y Y Y *Condos only
American Bankers Insurance Co. of FL Y
American Security Ins. Co.
Standard Guaranty Ins. Co.
AXA
XL Specialty Insurance Co. Y
Berkley Insurance Co. Y Y Y Y
Riverport Insurance Co. Y
Branch Branch Insurance Exchange Y
Brethren Mutual Brethren Mutual Insurance Co. Y Y
Chubb National Insurance Co. Y Y Y Y Y Y
Federal Insurance Co. Y *Moored in the Continental US
Vigilant Insurance Co. Y
Indemnity Insurance Co. of North America
Allstate
American Family
AMICA
AMIG
Assurant
Berkley
Chubb / ACE
78
August 2024
Maryland Insurance Administration 1-800-492-6116 w
ww.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Home Boats
Personal
Watercraft
Manufactured
homes
Farmowners Notes / Limitations
Cincinnati Insurance Co. Y Y Y *Requires Auto Policy
Cincinnati Casualty Co. Y Y Y *Requires Auto Policy
Clearcover Clearcover Insurance Co.
CSAA CSAA General Insurance Co. Y
Cumberland Insurance Co. Inc.
Cumberland Mutual Fire Insurance Co. Y Y* *Requires Home policy
Donegal Mutual Insurance Co. Y Y Y
Southern Insurance Co. of VA Y
Elephant Elephant Insurance Co.
Erie Insurance Co. Y Y Y Y
Erie Insurance Exchange
Everett Cash Everett Cash Mutual Insurance Co. Y
Foremost Insurance Co. A Y Y Y
Farmers Insurance Exchange Y A A
Farmers Direct P & C Insurance Co.
Farmers Property & Casualty Insurance Co. Y Y Y
Farmers Group Property & Casualty Ins. Co. Y
Farmers Casualty Insurance Co.
Farmers Mut of Salem
Farmers Mutual Fire Ins. Co. of Salem Cnty. Y Y* Y* *Requires Home Policy
Fidelity National Stillwater P & C Insurance Co. Y
GEICO Secure Co.
GEICO Indemnity Co.
Hartford Fire Insurance Co. Y
Hartford Casualty Insurance Co.
Horace Mann Insurance Co. Y Y
Teachers Insurance Co. Y Y
Horace Mann Property & Casualty Ins. Co.
Lemonade Lemonade Insurance Co. Y
Cincinnati
Cumberland
Donegal
Erie
Farmers
GEICO
Hartford
Horace Mann
79
August 2024
Maryland Insurance Administration 1-800-492-6116 w
ww.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Auto
Motorcycle
and Scooter
RV &
Trailers ATV GAP
Antique/
Collector
Notes / Limitations
Cincinnati Insurance Co. Y Y* Y* Y* Y* Y* *Requires Auto Policy
Cincinnati Casualty Co. Y Y* Y* Y* Y* Y* *Requires Auto Policy
Clearcover Clearcover Insurance Co. Y
CSAA CSAA General Insurance Co. Y Y
Cumberland Insurance Co. Inc. Y
Cumberland Mutual Fire Insurance Co. *Requires Home policy
Donegal Mutual Insurance Co. Y Y Y
Southern Insurance Co. of VA Y
Elephant Elephant Insurance Co. Y
Erie Insurance Co.
Erie Insurance Exchange Y Y Y Y Y Y
Everett Cash Everett Cash Mutual Insurance Co.
Foremost Insurance Co. Y Y Y Y A Y
Farmers Insurance Exchange Y A A A A
Farmers Direct P & C Insurance Co. Y Y Y
Farmers Property & Casualty Insurance Co.
Farmers Group Property & Casualty Ins. Co. Y Y Y Y
Farmers Casualty Insurance Co. Y Y Y Y Y
Farmers Mut of Salem
Farmers Mutual Fire Ins. Co. of Salem Cnty. *Requires Home Policy
Fidelity National Stillwater P & C Insurance Co.
GEICO Secure Co. Y Y
GEICO Indemnity Co. Y Y
Hartford Fire Insurance Co.
Hartford Casualty Insurance Co. Y Y Y Y Y
Horace Mann Insurance Co. Y
Teachers Insurance Co. Y
Horace Mann Property & Casualty Ins. Co. Y
Lemonade Lemonade Insurance Co.
Cincinnati
Cumberland
Donegal
Erie
Farmers
GEICO
Hartford
Horace Mann
80
August 2024
Maryland Insurance Administration
1-
800-492-6116 ww
w.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Home Boats
Personal
Watercraft
Manufactured
homes
Farmowners Notes / Limitations
Liberty Mutual Personal Insurance Co. Y Y Y
Peerless Indemnity Insurance Co. Y* *Renters only
American Economy Insurance Co. Y Y Y Y Y* *Requires Home Policy
Liberty Mutual Insurance Co. Y* *Renters only
Ironshore Indemnity Inc.
Safeco Insurance Co. of America Y Y Y Y Y* *Requires Home Policy
LM Insurance Corporation Y Y Y
LM General Insurance Co.
American States Preferred Insurance Co.
Safeco Insurance Co. of Illinois
Liberty Insurance Corporation Y Y Y
Lititz Mutual Lititz Mutual Insurance Co. Y
MAIF Maryland Auto Insurance Fund
Markel American Insurance Co. Y* Y Y Y *Renters Only
Essentia Insurance Co.
Mutual Benefit Mutual Benefit Insurance Co. Y
Nationwide Mutual Insurance Co. Y Y
Nationwide Insurance Co. of America Y
Nationwide Property & Casualty Co.
NJM Group NJM Insurance Co. Y
Penn National Penn National Insurance Co. Y Y* *Requires Auto Policy
Progressive Select Insurance Co.
American Strategic Insurance Corp. Y
Progressive Casualty Insurance Co. Y Y
Progressive Specialty Insurance Co. Y* *Renters Only
QBE Group Praetorian Insurance Co. Y
Root Insurance Root Insurance Co.
Selective Selective Ins. Co. of South Carolina Y Y* Y* *Requires Home Policy
Sentry Dairyland Insurance Co.
State Farm Fire & Casualty Company Y Y Y Y Y
State Farm Mutual Automobile Ins. Co.
MGA Insurance Co. *Minimum Limits Only
Liberty Mutual
Markel
Nationwide
Progressive
State Farm
81
August 2024
Maryland Insurance Administration
1-
800-492-6116 ww
w.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Auto
Motorcycle
and Scooter
RV &
Trailers ATV GAP
Antique/
Collector
Notes / Limitations
Liberty Mutual Personal Insurance Co. Y Y Y Y Y
Peerless Indemnity Insurance Co. *Renters only
American Economy Insurance Co. *Requires Home Policy
Liberty Mutual Insurance Co. Y *Renters only
Ironshore Indemnity Inc. Y
Safeco Insurance Co. of America *Requires Home Policy
LM Insurance Corporation Y Y Y Y
LM General Insurance Co. Y Y Y Y
American States Preferred Insurance Co. Y Y Y
Safeco Insurance Co. of Illinois Y Y
Liberty Insurance Corporation
Lititz Mutual Lititz Mutual Insurance Co.
MAIF Maryland Auto Insurance Fund Y Y Y Y
Markel American Insurance Co. Y Y *Renters Only
Essentia Insurance Co. Y
Mutual Benefit Mutual Benefit Insurance Co. Y
Nationwide Mutual Insurance Co. Y Y Y
Nationwide Insurance Co. of America
Nationwide Property & Casualty Co. Y
NJM Group NJM Insurance Co. Y Y
Penn National Penn National Insurance Co. Y Y Y *Requires Auto Policy
Progressive Select Insurance Co. Y
American Strategic Insurance Corp.
Progressive Casualty Insurance Co. Y Y Y
Progressive Specialty Insurance Co. Y *Renters Only
QBE Group Praetorian Insurance Co.
Root Insurance Root Insurance Co. Y
Selective Selective Ins. Co. of South Carolina Y Y* Y Y Y *Requires Home Policy
Sentry Dairyland Insurance Co. Y Y Y
State Farm Fire & Casualty Company Y Y Y Y
State Farm Mutual Automobile Ins. Co. Y Y Y Y Y
MGA Insurance Co. Y* *Minimum Limits Only
Liberty Mutual
Markel
Nationwide
Progressive
State Farm
82
August 2024
Maryland Insurance Administration
1-
800-492-6116 www.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Home Boats
Personal
Watercraft
Manufactured
homes
Farmowners Notes / Limitations
Privilege Underwriters Reciprocal Exch. Y Y Y Y Y
Philadelphia Indemnity Insurance Co.
Travelers Property Casualty Insurance Co.
Travelers Personal Insurance Co. Y Y Y
United Farm Family American National Property & Casualty Co. Y Y Y Y* Y *Required Auto Policy
Unitrin Unitrin Safeguard Insurance Co. Y Y Y
Universal Holdings Universal Property & Casualty Ins. Co. Y
Noblr Insurance Exch A A A A A
USAA General Indemnity Co. Y A A A A
Garrison Property & Casualty Insurance Co. Y A A A A
United Services Automobile Association Y A A A A
USAA Casualty Insurance Co. Y A A A A
Vault Vault Reciprocal Exchange Y Y Y
Windsor Mt. Joy Windsor Mt. Joy Mutual Insurance Co. Y Y Y Y Y
Travelers
USAA
Tokio Marine
83
August 2024
Maryland Insurance Administration
1-
800-492-6116 www.insurance.maryland.gov
Coverages Offered by Insurer (or group of insurers)
Some insurers offer various coverage by different insurers within their insurance group.
Y = Coverage is offered (*though some limitations may apply)
A = Coverage may be available through an affiliated program
Group Name Insurance Company(ies) Auto
Motorcycle
and Scooter
RV &
Trailers ATV GAP
Antique/
Collector
Notes / Limitations
Privilege Underwriters Reciprocal Exch. Y Y Y Y Y
Philadelphia Indemnity Insurance Co. Y
Travelers Property Casualty Insurance Co. Y Y Y Y Y
Travelers Personal Insurance Co.
United Farm Family American National Property & Casualty Co. Y Y Y* Y Y* Y *Required Auto Policy
Unitrin Unitrin Safeguard Insurance Co. Y Y Y Y
Universal Holdings Universal Property & Casualty Ins. Co.
Noblr Insurance Exch Y A A A A A
USAA General Indemnity Co. Y A A/Y A Y
Garrison Property & Casualty Insurance Co. Y A A/Y A Y
United Services Automobile Association Y A A/Y A Y
USAA Casualty Insurance Co. Y A A/Y A Y
Vault Vault Reciprocal Exchange Y Y Y Y Y
Windsor Mt. Joy Windsor Mt. Joy Mutual Insurance Co.
Travelers
USAA
Tokio Marine
84
How to File a Complaint
Consumers may contact the Maryland Insurance Administration to file a
complaint against an insurer or insurance producer.
Complaints must be received in writing or filed on-line using the agency’s
website, www.insurance.maryland.gov. Under Consumers, you will find a link
entitled File A Complaint. This page describes the process and provides
instructions for filing a complaint. Please provide as much
detail as possible, including copies of pertinent documents.
A trained, professional investigator will handle your complaint. The
investigator will contact the insurer and/or insurance producer and try to
resolve the issue. In the meantime, you will be advised of the steps being
taken on your behalf. Complaint files are not closed until the Maryland
Insurance Administration has made a determination regarding the
complaint.
Important Contact Information for Homeowners & Renters
Insurance:
General Information
410-468-2000 or 1-800-492-6116
TTY 1-800-735-2258
E-mail: [email protected]
Website: www.insurance.maryland.gov
Complaints Fax: 410-468-2307 (or 2334)
Rapid Response Program
The Maryland Insurance Administration has a Rapid Response
Program to help consumers resolve property and casualty claims
(including claims made under automobile, homeowners and
commercial lines policies) quickly and without having to file a formal
written complaint.
The Rapid Response Program puts individuals having difficulty
resolving certain claims in touch with special representatives at
participating insurers in an effort to help address problems directly
and quickly. For more information about this program, contact us at
410-468-2340 or 800-492-6116 ext. 2340. Participation in the Rapid
Response Program is voluntary and does not affect your right to file a
formal complaint.
54
85
410-468-2000 • 800-492-6116
800-735-2258 TTY
www.insurance.maryland.gov
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www.twitter.com/MD_Insurance
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This consumer guide should be used for educational purposes only. It is not intended to provide legal advice or opinions regarding coverage under a specific insurance policy or
contract; nor should it be construed as an endorsement of any product, service, person, or organization mentioned in this guide. Please note that policy terms vary based on the
particular insurer and you should contact your insurer or insurance producer (agent or broker) for more information.
This publication has been produced by the Maryland Insurance Administration (MIA) to provide consumers with general information about insurance-related issues
and/or state programs and services.
This publication may contain copyrighted material which was used with permission of the copyright owner. Publication herein does not
authorize any use or appropriation of such copyrighted material without consent of the owner.
All publications issued by the MIA
are available free of charge on the MIA
’s website or by request.
The publication may be reproduced in its entirety without further permission
of the MIA provided the text and format are not altered or amended in any way, and no fee is assessed for the publication or duplication thereof. The MIA’s name and contact
information must remain clearly visible, and no other name, including that of the insurer or insurance producer reproducing the publication, may appear anywhere in the
reproduction. Partial reproductions are not permitted without the prior written consent of the MIA.
Persons with disabilities may request this document in an alternative format.
Requests should be submitted in writing to the Chief, Communications and Public Engagement at the address listed below.
INSURANCE ADMINISTRATION
200 St. Paul Place, Suite 2700
Baltimore, MD 21202