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A COMPARISON GUIDE TO RATES

Maryland Insurance

Administration

RENTERS INSURANCE

AS OF FEBRUARY 2020

Renters Policy Scenario

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 CodeCoverage C

Amount ConstructionProtection

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 $100,000Anne Arundel Annapolis 21401 $50,000 Frame 5 $500 n/a n/a No $100,000Anne Arundel Pasadena 21122 $50,000 Frame 5 $500 n/a n/a No $100,000Baltimore Dundalk 21222 $50,000 Frame 5 $500 n/a n/a No $100,000Baltimore Owings Mills 21117 $50,000 Frame 5 $500 n/a n/a No $100,000Baltimore City Hamilton 21214 $50,000 Frame 1 $500 n/a n/a No $100,000Baltimore City Waverly 21218 $50,000 Frame 1 $500 n/a n/a No $100,000Calvert Lusby 20657 $50,000 Frame 5 $500 n/a n/a No $100,000Caroline Denton 21629 $50,000 Frame 5 $500 n/a n/a No $100,000Carroll Sykesville 21784 $50,000 Frame 5 $500 n/a n/a No $100,000Cecil Elkton 21921 $50,000 Frame 5 $500 n/a n/a No $100,000Charles Waldorf 20603 $75,000 Frame 5 $500 n/a n/a No $300,000Dorchester Cambridge 21613 $75,000 Frame 5 $500 n/a n/a No $300,000Frederick Frederick 21701 $75,000 Frame 5 $500 n/a n/a No $300,000Garrett Oakland 21550 $75,000 Frame 5 $500 n/a n/a No $300,000Harford Bel Air 21014 $75,000 Frame 5 $500 n/a n/a No $300,000Howard Columbia 21044 $75,000 Frame 5 $500 n/a n/a No $300,000Kent Chestertown 21620 $75,000 Frame 5 $500 n/a n/a No $300,000Montgomery Gaithersburg 20878 $75,000 Frame 5 $500 n/a n/a No $300,000Montgomery Silver Spring 20906 $75,000 Frame 5 $500 n/a n/a No $300,000Prince George's Fort Washington 20744 $75,000 Frame 5 $500 n/a n/a No $300,000Prince George's Hyattsville 20783 $75,000 Frame 5 $500 n/a n/a No $300,000Queen Anne's Stevensville 21666 $50,000 Frame 5 $500 n/a n/a No $100,000Saint Mary's Mechanicsville 20659 $50,000 Frame 5 $500 n/a n/a No $100,000Somerset Princess Anne 21853 $50,000 Frame 5 $500 n/a n/a No $100,000Talbot Easton 21601 $50,000 Frame 5 $500 n/a n/a No $100,000Washington Hagerstown 21740 $50,000 Frame 5 $500 n/a n/a No $100,000Wicomico Salisbury 21804 $50,000 Frame 5 $500 n/a n/a No $100,000Worcester 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.

1

Shopping for Renters Insurance Company/Policy Comparison Worksheet

If you are shopping for renters insurance, you may use this worksheet to help gather information about insurance companies and the renters insurance policies they sell. You may call a producer or the insurance company for a rate quote.

Company Name →

Telephone number

Financing rating

Company licensed (Yes/No)

Type of policy (HO-2, HO-3amended, HO-4, HO-6, etc.)

Replacement Cost (RC) or Actual Cash Value (ACV):

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

2

COVERAGE COMPARISON (Coverages vary by policy. Make sure you get the coverage you need!)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

CO

VE

RA

GE

LIM

ITS

PO

LIC

Y C

OV

ER

S D

AM

AG

E F

RO

M (Y

ES

/NO

)

3

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**

AD

DIT

ION

AL

PR

OP

ER

TY C

OV

ER

AG

ES

PO

LIC

Y E

XC

LUD

ES

**Renters 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 agent near you, visit www.floodsmart.gov.

4

Additional limits of liability forCoverages A, B, C and D.

Special computer coverage

Theft coverage increase

Office, permitted incidental occupancies (residence premises)

Inflation 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

LIS

T O

F O

PT

ION

AL

INS

UR

AN

CE

CO

VE

RA

GE

S T

HA

T A

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AVA

ILA

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BY

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5

February 2020

Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov


21502 20657 20603 21550 20878 20906

Company Allegany Calvert Charles Garrett Montgomery Montgomery Western AIG Property Casualty Co. 521 528 584 584 623 621Maryland, Allstate Insurance Co. 287 282 411 424 420 420Washington D.C. American Family Home Insurance Co. 465 465 675 675 675 675Suburbs, and American Modern Home Insurance Co. 348 348 538 538 538 538Southern American National Property & Casualty Co. 247 273 284 267 221 216Maryland American Strategic Insurance Corp. 289 247 355 380 292 319

Amica Mutual Insurance Co. 242 242 330 330 330 330Brethren Mutual Insurance Co. 159 153 239 235 219 219

Rates Century-National Insurance Co. 273 273 371 371 371 371Effective Chubb National Insurance Co. 246 253 446 434 434 363as of Cincinnati Insurance Co. 123 123 169 166 164 1642/1/2020 CSAA General Insurance Co. 133 155 279 187 178 168

Cumberland Mutual Fire Insurance Co. 216 205 281 305 312 312Donegal Mutual Insurance Co. 358 341 472 496 496 496

n/a = Carriers Encompass Home/Auto Insurance Co. 260 415 496 319 473 473that do not have Erie Insurance Co. 250 292 419 450 362 422rates Esurance Insurance Co. N/A N/A N/A N/A N/A N/Aavailable based Everett Cash Mutual Insurance Co. 323 323 446 446 334 334on the criteria Farmers Insurance Exchange 322 333 452 437 340 340in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 238 174 224 316 228 228scenario. Federal Insurance Co. 260 265 468 457 457 426

First American Property & Casualty Ins. Co. 202 250 319 391 250 223Certain Frederick Mutual Insurance Co. 254 243 347 362 356 356companies may Garrison Property & Casualty Ins. Co. 277 408 463 374 423 423impose higher Hartford Fire Insurance Co. 166 166 214 214 214 214and separate Homesite Insurance Co. of the Midwest 271 291 381 381 381 381wind/hail or Horace Mann Insurance Co. 151 151 202 202 98 98hurricane IDS Property Casualty Ins. Co. 264 307 353 350 360 373deductibles. Liberty Insurance Corp. 325 308 498 332 313 566Please contact Lititz Mutual Insurance Co. 190 174 245 266 273 273your agent or Markel American Insurance Co. 266 266 355 355 355 355company for more details.

6

February 2020



21502 20657 20603 21550 20878 20906

Company Allegany Calvert Charles Garrett Montgomery Montgomery Western Meridian Security Insurance Co. 389 386 512 513 501 499Maryland, Metropolitan Group Property and Casualty 525 549 664 635 570 570Washington D.C. Metropolitan Property and Casualty Ins. 321 336 455 435 506 506Suburbs, and Mutual Benefit Insurance Co. 208 208 318 318 318 318Southern Nationwide Insurance Co. of America 450 568 679 605 524 481Maryland NGM Insurance Co. 355 341 473 492 473 473

Peerless Indemnity Insurance Co. 361 342 552 369 348 629Penn National Insurance Co. 246 246 336 336 336 336

Rates Pharmacists Mutual Insurance Co. 296 295 415 430 366 366Effective Praetorian Insurance Co. 303 303 419 419 419 419as of Privilege Underwriters Reciprocal Exch. 668 668 943 943 837 8372/1/2020 Progressive Specialty Insurance Co. 289 247 355 380 292 319

Safeco Insurance Co. of America 414 414 606 606 606 606Selective Ins. Co. of South Carolina 175 227 323 238 218 226

n/a = Carriers State Farm Fire & Casualty Co. 141 146 213 185 169 169that do not have Stillwater P & C Insurance Co. 286 437 539 383 338 332rates Teachers Insurance Co. 141 141 189 98 98 98available based Travelers Personal Insurance Co. 207 260 322 317 301 257on the criteria United Services Automobile Association 261 381 435 352 398 398in the Unitrin Safeguard Insurance Co. 181 213 238 203 211 225scenario. Universal Property & Casualty Ins. Co. 282 319 445 393 298 298

USAA Casualty Insurance Co. 285 408 473 384 434 434Certain USAA General Indemnity Co. 251 377 422 338 384 384companies may Vigilant Insurance Co. 260 265 468 457 457 426impose higher Windsor Mt. Joy Mutual Insurance Co. 244 272 392 353 417 417and separatewind/hail orhurricanedeductibles.Please contactyour agent or company for more details.

7

February 2020



20744 20783 20659 21740

Company Prince George's Prince George's Saint Mary's WashingtonWestern AIG Property Casualty Co. 592 586 526 530Maryland, Allstate Insurance Co. 431 430 280 287Washington D.C. American Family Home Insurance Co. 675 675 465 465Suburbs, and American Modern Home Insurance Co. 538 538 348 348Southern American National Property & Casualty Co. 285 229 232 193Maryland American Strategic Insurance Corp. 515 507 248 241

Amica Mutual Insurance Co. 330 330 242 242Brethren Mutual Insurance Co. 456 433 162 197

Rates Century-National Insurance Co. 371 371 273 273Effective Chubb National Insurance Co. 434 434 253 246as of Cincinnati Insurance Co. 175 175 123 1162/1/2020 CSAA General Insurance Co. 290 245 159 132

Cumberland Mutual Fire Insurance Co. 519 519 198 216Donegal Mutual Insurance Co. 511 511 341 358

n/a = Carriers Encompass Home/Auto Insurance Co. 506 506 415 281that do not have Erie Insurance Co. 398 419 276 252rates Esurance Insurance Co. N/A N/A N/A N/Aavailable based Everett Cash Mutual Insurance Co. 334 334 323 323on the criteria Farmers Insurance Exchange 527 527 333 322in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 316 316 181 167scenario. Federal Insurance Co. 457 457 265 260

First American Property & Casualty Ins. Co. 250 202 250 202Certain Frederick Mutual Insurance Co. 399 399 243 254companies may Garrison Property & Casualty Ins. Co. 445 445 424 297impose higher Hartford Fire Insurance Co. 214 214 166 166and separate Homesite Insurance Co. of the Midwest 424 424 271 271wind/hail or Horace Mann Insurance Co. 98 98 86 86hurricane IDS Property Casualty Ins. Co. 312 365 280 268deductibles. Liberty Insurance Corp. 518 756 258 413Please contact Lititz Mutual Insurance Co. 465 465 174 190your agent or Markel American Insurance Co. 355 355 266 266company for more details.

8

February 2020



20744 20783 20659 21740

Company Prince George's Prince George's Saint Mary's WashingtonWestern Meridian Security Insurance Co. 671 565 376 359Maryland, Metropolitan Group Property and Casualty 763 763 549 525Washington D.C. Metropolitan Property and Casualty Ins. 513 513 336 321Suburbs, and Mutual Benefit Insurance Co. 318 318 208 208Southern Nationwide Insurance Co. of America 866 566 510 450Maryland NGM Insurance Co. 476 476 341 355

Peerless Indemnity Insurance Co. 576 839 287 459Penn National Insurance Co. 336 336 246 246

Rates Pharmacists Mutual Insurance Co. 613 652 295 296Effective Praetorian Insurance Co. 419 419 303 303as of Privilege Underwriters Reciprocal Exch. 837 837 668 6682/1/2020 Progressive Specialty Insurance Co. 515 507 248 241

Safeco Insurance Co. of America 606 606 414 414Selective Ins. Co. of South Carolina 507 420 233 192

n/a = Carriers State Farm Fire & Casualty Co. 292 292 146 141that do not have Stillwater P & C Insurance Co. 692 593 420 371rates Teachers Insurance Co. 98 98 86 86available based Travelers Personal Insurance Co. 328 279 278 221on the criteria United Services Automobile Association 418 418 396 279in the Unitrin Safeguard Insurance Co. 271 205 179 167scenario. Universal Property & Casualty Ins. Co. 529 529 319 282

USAA Casualty Insurance Co. 456 456 427 304Certain USAA General Indemnity Co. 404 404 390 269companies may Vigilant Insurance Co. 457 457 265 260impose higher Windsor Mt. Joy Mutual Insurance Co. 392 392 272 289and separatewind/hail orhurricanedeductibles.Please contactyour agent or company for more details.

9

February 2020



21401 21122 21214 21218 21222 21117

Company Anne Arundel Anne Arundel Baltimore City Baltimore CityBaltimore

CountyBaltimore

CountyGreater AIG Property Casualty Co. 533 571 478 478 521 528Baltimore Allstate Insurance Co. 293 302 287 287 301 301Suburban American Family Home Insurance Co. 465 465 465 465 465 465Area American Modern Home Insurance Co. 348 348 348 348 348 348

American National Property & Casualty Co. 201 205 1113 234 256 274American Strategic Insurance Corp. 235 293 264 298 316 231Amica Mutual Insurance Co. 242 242 242 242 242 242Brethren Mutual Insurance Co. 177 197 306 289 197 231

Rates Century-National Insurance Co. 273 273 273 273 273 273Effective Chubb National Insurance Co. 225 225 266 266 246 238as of Cincinnati Insurance Co. 123 123 109 109 123 1232/1/2020 CSAA General Insurance Co. 137 143 165 169 152 168

Cumberland Mutual Fire Insurance Co. 218 218 315 315 259 259Donegal Mutual Insurance Co. 336 336 358 358 348 348

n/a = Carriers Encompass Home/Auto Insurance Co. 426 428 342 342 436 304that do not have Erie Insurance Co. 235 303 324 292 294 278rates Esurance Insurance Co. N/A N/A N/A N/A N/A N/Aavailable based Everett Cash Mutual Insurance Co. 323 323 355 355 355 355on the criteria Farmers Insurance Exchange 299 299 364 364 289 289in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 173 175 269 269 269 170scenario. Federal Insurance Co. 236 236 282 282 260 250

First American Property & Casualty Ins. Co. 242 345 250 202 242 223Certain Frederick Mutual Insurance Co. 221 221 254 254 212 212companies may Garrison Property & Casualty Ins. Co. 348 348 313 313 319 319impose higher Hartford Fire Insurance Co. 166 166 203 203 203 203and separate Homesite Insurance Co. of the Midwest 271 271 301 301 271 271wind/hail or Horace Mann Insurance Co. 191 191 191 191 191 191hurricane IDS Property Casualty Ins. Co. 264 270 354 292 292 263deductibles. Liberty Insurance Corp. 318 274 528 658 505 306Please contact Lititz Mutual Insurance Co. 193 193 278 278 230 230your agent or Markel American Insurance Co. 266 266 266 266 266 266company for more details.

10

February 2020



21401 21122 21214 21218 21222 21117

Company Anne Arundel Anne Arundel Baltimore City Baltimore CityBaltimore

CountyBaltimore

CountyGreater Meridian Security Insurance Co. 419 455 464 484 459 433Baltimore Metropolitan Group Property and Casualty 660 660 513 513 681 620Suburban Metropolitan Property and Casualty Ins. 386 386 309 309 408 394Area Mutual Benefit Insurance Co. 208 208 232 232 232 232

Nationwide Insurance Co. of America 431 447 508 534 449 480NGM Insurance Co. 341 341 443 443 401 401Peerless Indemnity Insurance Co. 354 304 587 731 561 340Penn National Insurance Co. 246 246 275 275 275 275

Rates Pharmacists Mutual Insurance Co. 286 267 279 279 260 260Effective Praetorian Insurance Co. 303 303 303 303 303 303as of Privilege Underwriters Reciprocal Exch. 594 594 657 657 598 5982/1/2020 Progressive Specialty Insurance Co. 235 293 264 298 316 231

Safeco Insurance Co. of America 414 414 414 414 414 414Selective Ins. Co. of South Carolina 205 209 426 417 292 257

n/a = Carriers State Farm Fire & Casualty Co. 172 172 226 226 185 185that do not have Stillwater P & C Insurance Co. 338 354 434 405 354 431rates Teachers Insurance Co. 179 179 179 179 179 179available based Travelers Personal Insurance Co. 222 228 250 259 223 205on the criteria United Services Automobile Association 327 327 294 294 300 300in the Unitrin Safeguard Insurance Co. 205 195 152 194 197 223scenario. Universal Property & Casualty Ins. Co. 261 261 315 315 221 221

USAA Casualty Insurance Co. 356 356 321 321 327 327Certain USAA General Indemnity Co. 316 316 284 284 289 289companies may Vigilant Insurance Co. 236 236 282 282 260 250impose higher Windsor Mt. Joy Mutual Insurance Co. 272 272 360 360 360 289and separatewind/hail orhurricanedeductibles.Please contactyour agent or company for more details.

11

February 2020



21784 21921 21701 21014 21044

Company Carroll Cecil Frederick Harford HowardGreater AIG Property Casualty Co. 531 530 584 582 570Baltimore Allstate Insurance Co. 285 289 424 443 420Suburban American Family Home Insurance Co. 465 465 675 675 675Area American Modern Home Insurance Co. 348 348 538 538 538

American National Property & Casualty Co. 218 213 270 269 260American Strategic Insurance Corp. 265 342 360 306 295Amica Mutual Insurance Co. 242 242 330 330 330Brethren Mutual Insurance Co. 185 211 262 242 242

Rates Century-National Insurance Co. 273 273 371 371 371Effective Chubb National Insurance Co. 209 246 434 401 401as of Cincinnati Insurance Co. 123 123 169 169 1752/1/2020 CSAA General Insurance Co. 133 145 163 178 186

Cumberland Mutual Fire Insurance Co. 216 239 305 305 305Donegal Mutual Insurance Co. 331 312 496 459 459

n/a = Carriers Encompass Home/Auto Insurance Co. 312 370 393 532 561that do not have Erie Insurance Co. 263 267 323 343 315rates Esurance Insurance Co. N/A N/A N/A N/A N/Aavailable based Everett Cash Mutual Insurance Co. 323 323 446 334 334on the criteria Farmers Insurance Exchange 282 315 437 384 384in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 176 170 220 232 232scenario. Federal Insurance Co. 219 260 457 418 418

First American Property & Casualty Ins. Co. 391 319 319 319 350Certain Frederick Mutual Insurance Co. 205 178 362 296 296companies may Garrison Property & Casualty Ins. Co. 295 369 399 473 435impose higher Hartford Fire Insurance Co. 166 166 214 214 214and separate Homesite Insurance Co. of the Midwest 271 271 381 381 381wind/hail or Horace Mann Insurance Co. 151 151 202 98 98hurricane IDS Property Casualty Ins. Co. 250 274 314 289 301deductibles. Liberty Insurance Corp. 257 333 409 372 425Please contact Lititz Mutual Insurance Co. 190 212 266 266 266your agent or Markel American Insurance Co. 266 266 355 355 355company for more details.

12

February 2020



21784 21921 21701 21014 21044

Company Carroll Cecil Frederick Harford HowardGreater Meridian Security Insurance Co. 348 448 471 483 548Baltimore Metropolitan Group Property and Casualty 525 573 635 691 646Suburban Metropolitan Property and Casualty Ins. 321 368 435 496 469Area Mutual Benefit Insurance Co. 208 208 318 318 318

Nationwide Insurance Co. of America 393 433 540 612 586NGM Insurance Co. 355 332 492 492 492Peerless Indemnity Insurance Co. 269 370 454 421 472Penn National Insurance Co. 246 246 336 336 336

Rates Pharmacists Mutual Insurance Co. 240 326 430 365 365Effective Praetorian Insurance Co. 303 303 419 419 419as of Privilege Underwriters Reciprocal Exch. 594 668 943 831 8312/1/2020 Progressive Specialty Insurance Co. 265 342 360 306 295

Safeco Insurance Co. of America 414 414 606 606 606Selective Ins. Co. of South Carolina 173 242 271 225 234

n/a = Carriers State Farm Fire & Casualty Co. 127 150 169 197 169that do not have Stillwater P & C Insurance Co. 344 408 480 375 386rates Teachers Insurance Co. 141 141 189 98 98available based Travelers Personal Insurance Co. 202 220 259 277 259on the criteria United Services Automobile Association 277 346 376 445 409in the Unitrin Safeguard Insurance Co. 193 181 187 198 249scenario. Universal Property & Casualty Ins. Co. 233 255 393 327 327

USAA Casualty Insurance Co. 303 378 409 485 446Certain USAA General Indemnity Co. 267 335 362 429 395companies may Vigilant Insurance Co. 219 260 457 418 418impose higher Windsor Mt. Joy Mutual Insurance Co. 289 289 417 417 417and separatewind/hail orhurricanedeductibles.Please contactyour agent or company for more details.

13

February 2020



21629 21613 21620 21666 21853 21601 21804 21811

Company Caroline Dorchester KentQueen Anne's Somerset Talbot Wicomico Worcester

Eastern AIG Property Casualty Co. 530 583 570 527 518 533 519 532Shore Allstate Insurance Co. 279 416 413 279 281 281 281 288(w/o Cecil) American Family Home Insurance Co. 465 675 675 465 465 465 465 465

American Modern Home Insurance Co. 348 538 538 348 348 348 348 348American National Property & Casualty Co. 249 298 251 227 291 291 291 456American Strategic Insurance Corp. 303 403 363 336 307 277 279 291Amica Mutual Insurance Co. 242 330 330 242 242 242 242 242Brethren Mutual Insurance Co. 223 293 320 211 162 188 211 234

Rates Century-National Insurance Co. 273 371 371 273 273 273 273 273Effective Chubb National Insurance Co. 255 463 448 255 263 255 263 258as of Cincinnati Insurance Co. 123 169 169 123 123 123 123 1232/1/2020 CSAA General Insurance Co. 137 216 204 157 146 157 149 150

Cumberland Mutual Fire Insurance Co. 246 345 335 246 258 246 246 295Donegal Mutual Insurance Co. 312 496 433 312 312 312 312 394

n/a = Carriers Encompass Home/Auto Insurance Co. 376 552 497 460 428 456 446 564that do not have Erie Insurance Co. 298 480 373 283 396 232 280 230rates Esurance Insurance Co. N/A N/A N/A N/A N/A N/A N/A N/Aavailable based Everett Cash Mutual Insurance Co. 323 446 334 323 323 323 323 571on the criteria Farmers Insurance Exchange 315 429 429 315 315 315 315 363in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 162 214 216 159 162 162 159 227scenario. Federal Insurance Co. 267 485 470 267 276 267 276 270

First American Property & Casualty Ins. Co. 350 319 250 250 250 202 250 250Certain Frederick Mutual Insurance Co. 178 260 260 178 178 178 178 315companies may Garrison Property & Casualty Ins. Co. 322 457 464 346 461 341 461 952impose higher Hartford Fire Insurance Co. 166 214 214 166 166 166 166 166and separate Homesite Insurance Co. of the Midwest 301 424 424 301 301 301 301 309wind/hail or Horace Mann Insurance Co. 151 202 98 86 86 86 86 86hurricane IDS Property Casualty Ins. Co. 276 324 365 276 268 276 279 276deductibles. Liberty Insurance Corp. 332 563 486 275 373 278 444 270Please contact Lititz Mutual Insurance Co. 212 295 295 212 212 212 212 247your agent or Markel American Insurance Co. 266 355 355 266 266 266 266 266company for more details.

14

February 2020



21629 21613 21620 21666 21853 21601 21804 21811

Company Caroline Dorchester KentQueen Anne's Somerset Talbot Wicomico Worcester

Eastern Meridian Security Insurance Co. 378 509 487 416 390 363 413 391Shore Metropolitan Group Property and Casualty 498 603 603 498 498 498 498 498(w/o Cecil) Metropolitan Property and Casualty Ins. 330 446 446 330 330 330 330 330

Mutual Benefit Insurance Co. 208 318 318 208 208 208 208 208Nationwide Insurance Co. of America 437 688 710 481 556 563 525 540NGM Insurance Co. 332 460 460 332 332 332 332 341Peerless Indemnity Insurance Co. 369 625 540 306 414 308 494 310Penn National Insurance Co. 246 336 336 246 246 246 246 246

Rates Pharmacists Mutual Insurance Co. 247 364 364 247 314 247 247 338Effective Praetorian Insurance Co. 303 419 419 303 303 303 303 303as of Privilege Underwriters Reciprocal Exch. 668 943 943 668 668 668 668 5522/1/2020 Progressive Specialty Insurance Co. 303 403 363 336 307 277 279 291

Safeco Insurance Co. of America 414 606 606 414 414 414 414 414Selective Ins. Co. of South Carolina 261 321 332 258 259 242 242 226

n/a = Carriers State Farm Fire & Casualty Co. 150 199 199 150 150 150 150 178that do not have Stillwater P & C Insurance Co. 380 460 508 384 371 364 364 335rates Teachers Insurance Co. 141 189 98 86 86 86 86 86available based Travelers Personal Insurance Co. 236 318 323 256 306 220 267 281on the criteria United Services Automobile Association 302 429 436 325 431 320 431 876in the Unitrin Safeguard Insurance Co. 155 200 187 177 217 173 221 181scenario. Universal Property & Casualty Ins. Co. 255 357 357 255 255 255 255 288

USAA Casualty Insurance Co. 329 464 475 354 465 348 465 907Certain USAA General Indemnity Co. 293 418 422 315 424 311 424 912companies may Vigilant Insurance Co. 267 485 470 267 276 267 276 270impose higher Windsor Mt. Joy Mutual Insurance Co. 272 362 353 272 250 272 327 363and separatewind/hail orhurricanedeductibles.Please contactyour agent or company for more details.

15

February 2020


Insurance Company Phone Numbers and WebsitesNote: If there is no phone number shown for an insurance company, look in the Yellow Pages for an agent, agency or brokerin your area. You may also find information on the company's website. Agents and agencies sell coverage on the company's behalf. Brokers will locate coverage on your behalf.

AIG Property Casualty Co. See Yellow Pages www.aig.comAllstate Insurance Co. 877-810-2920 www.allstate.comAllstate Vehicle & Property Insurance Co. 877-810-2920 www.allstate.comAmerican Family Home Insurance Co. 800-759-9008 www.amig.comAmerican Modern Home Insurance Co. 800-759-9008 www.amig.comAmerican National Property & Casualty Co. 800-843-3276 www.americannational.comAmerican Security Insurance Co. 877-893-5739 www.assurant.comAmerican Strategic Insurance Corp. 866-274-8765 www.americanstrategicinsurance.comAmica Mutual Insurance Co. 800-652-6422 www.amica.comBrethren Mutual Insurance Co. 800-621-4264 www.bmic.comCentury National Insurance Co. 800-462-2123 www.nationalgeneral.comChubb National Insurance Co. 866-324-8222 www.chubb.comCincinnati Insurance Co. 888-242-8811 www.cinfin.comCSAA General Insurance Co. 888-222-0094 http://midatlantic.aaa.com/Insurance/InsurewithAAACumberland Mutual Fire Insurance Co. 800-232-6992 www.cumberlandgroup.comDonegal Mutual Insurance Co. 800-877-0600 www.donegalgroup.comEncompass Home/Auto Insurance Co. 800-588-7400 www.encompassinsurance.comErie Insurance Co. 800-458-0811 www.erieinsurance.comEsurance Insurance Co. 800-ESURANCE www.esurance.comEverett Cash Mutual Insurance Co. 800-326-4968 www.everettcash.comFarmers Insurance Exchange 888-327-6335 www.farmers.comFarmers Mutual Fire Ins. Co. of Salem Cnty. 800-498-0954 www.farmersofsalem.comFederal Insurance Co. 866-324-8222 www.chubb.comFirst American Property & Casualty Ins. Co. 866-654-9900 www.fapcig.comFrederick Mutual Insurance Co. 800-544-8737 www.frederickmutual.comGarrison Property & Casualty Ins. Co. 800-531-8722 www.usaa.comHartford Fire Insurance Co. 888-413-8970 www.thehartford.comHomesite Insurance Co. 800-947-0713 https://go.homesite.comHomesite Insurance Co. of the Midwest 800-947-0713 https://go.homesite.comHorace Mann Insurance Co. 800-999-1030 www.horacemann.comIDS Property Casualty Ins. Co. 800-842-3344 www.ameriprise.com/autohomeLiberty Insurance Corp. 800-837-5254 www.libertymutual.com

16

February 2020


Insurance Company Phone Numbers and WebsitesNote: If there is no phone number shown for an insurance company, look in the Yellow Pages for an agent, agency or brokerin your area. You may also find information on the company's website. Agents and agencies sell coverage on the company's behalf. Brokers will locate coverage on your behalf.

Liberty Mutual Insurance Co. 800-837-5254 www.libertymutual.comLititz Mutual Insurance Co. 800-626-4751 www.lititzmutual.comLM Insurance Corp. 800-837-5254 www.libertymutual.comMarkel American Insurance Co. 800-236-2862 n/aMeridian Security Insurance Co. 800-444-9950 www.stateauto.comMetropolitan Group Property and Casualty 800-422-4272 www.metlife.comMetropolitan Property and Casualty Ins. 800-422-4272 www.metlife.comMutual Benefit Insuance Co. 800-283-3531 www.mutualbenefitgroup.comNationwide Insurance Co. of America 888-890-4630 www.nationwide.comNGM Insurance Co. 800-226-0875 www.msagroup.comPeerless Indemnity Insurance Co. 800-837-5254 www.libertymutual.comPenn National Insurance Co. 800-388-4764 www.PennNationalInsurance.comPharmacists Mutual Insurance Co. 800-247-5930 www.phmic.comPraetorian Insurance Co. 866-318-2016 www.QBENA.comPrivilege Underwriters Reciprocal Exch. 888-813-7873 www.pureinsurance.comProgressive Specialty Insurance Co. 866-274-8765 www.americanstrategic.comQBE Insurance Corp. 866-318-2016 www.QBENA.comSafeco Insurance Co. of America 800-332-3226 www.safeco.comSelective Ins. Co. of South Carolina 866-513-4395 www.selective.comStandard Guaranty Insurance Co. 877-893-5739 www.assurant.comState Farm Fire & Casualty Co. 800-782-8332 www.statefarm.comStillwater P & C Insurance Co. 800-849-6140 www.stillwaterinsurance.comTeachers Insurance Co. 800-999-1030 www.horacemann.comTravelers Personal Insurance Co. 888-695-4625 www.travelers.comUnited Services Automobile Association 800-531-8722 www.usaa.comUnitrin Safeguard Insurance Co. 866-860-9348 www.kemper.comUniversal North America Insurance Co. 800-905-7550 www.arrowheadgrp.comUniversal Property & Casualty Ins. Co. 800-425-9113 www.universalproperty.comUSAA General Indemnity Co. 800-531-8722 www.usaa.comUSAA Property & Casualty Insurance Co. 800-531-8722 www.usaa.comVigilant Insurance Co. 866-324-8222 www.chubb.comWindsor Mt. Joy Mutual Insurance Co. 800-233-0228 www.windsormountjoy.com

17

February 2020


Coverages Offered by Company (or group of companies) Some insurers offer various coverage by different companies 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 Auto

Motorcycle and

ScooterRV &

Trailers ATV BoatsPersonal

Watercraft GAPAntique/Collector Notes / Limitations

Agency Agency Insurance Co. Y Y YAIG AIG Property Casualty Co. Y Y Y Y Y Y Y Y Y

Encompass Home/Auto Insurance Co. Y Y Y Y Y Y Y Y YAllstate Property & Casualty Insurance Co. Y Y Y YAllstate Insurance Co. Y* Y *Renters OnlyAllstate Indemnity Co. Y YEsurance Insurance Company YEsurance Property and Casualty Ins. Co. Y YAllstate Vehicle & Property Insurance Co. Y* Y *Home/Condo OnlyEsurance Insurance Services, Inc. A A A A A A AHomesite Insurance Co. of the Midwest Y* *Tenants & Condos onlyHomesite Insurance Co. Y* *Home Policies onlyPermanent General Assurance Co. Y

AMICA Amica Mutual Insurance Co. Y Y Y Y Y* Y A Y Y *Snowmobiles onlyAmerican Family Home Insurance Co. Y* Y Y Y *Renters onlyAmerican Modern Home Insurance Co. Y* Y Y Y Y *Renters onlyAmerican Bankers Insurance Co. of FL Y* Y* Y* *Refer to CompanyAmerican Security Ins. Co. YStandard Guaranty Ins. Co. Y

AXA AXA Insurance Co. YBrethren Mutual Brethren Mutual Insurance Co. Y Y Y Y Y

Chubb National Insurance Co. Y Y Y Y Y Y YFederal Insurance Co. Y Y* Y* Y *Moored in the Continental USVigilant Insurance Co. Y Y

Cincinnati Cincinnati Insurance Co. Y Y Y* Y* Y* Y Y Y* Y* *Requires Auto PolicyCSAA CSAA General Insurance Co. Y Y Y

Cumberland Insurance Co. Inc. YCumberland Mutual Fire Insurance Co. YDonegal Mutual Insurance Co. Y Y Y Y Y YAtlantic States Insurance Co. Y

Elephant Elephant Insurance Co. YErie Insurance Co. Y YErie Insurance Exchange Y Y Y Y Y

Everett Cash Everett Cash Mutual Insurance Co. YForemost Insurance Co. A Y Y Y Y Y Y A YFarmers Insurance Exchange Y Y A A A A A A

Erie

Farmers

Donegal

Allstate

AMIG

Assurant

Chubb / ACE

Cumberland

American Family

18

February 2020





Motorcycle and

ScooterRV &



Farmers Mut of Salem Farmers Mutual Fire Ins. Co. of Salem Cnty. Y Y* *Requires Home PolicyFidelity National Stillwater P & C Insurance Co. YFirst American First American Property & Casualty Y* *Renters OnlyFrederick Mutual Frederick Mutual Insurance Co. Y

GEICO Indemnity Co. Y YGIECO Casualty Co. Y YHartford Fire Insurance Co. YHartford Casualty Insurance Co. Y Y Y Y YHorace Mann Insurance Co. Y Y YTeachers Insurance Co. Y Y YHorace Mann Property & Casualty Ins. Co. Y

IDS IDS Property Casualty Ins. Co. Y YPeerless Indemnity Insurance Co. Y* *Renters onlyLiberty Mutual Insurance Co. Y* *Renters onlyIronshore Indemnity Inc. YSafeco Insurance Company of America Y Y YLM Insurance Corp. Y Y Y Y Y Y YLM General Insurance Co. Y Y Y YAmerican States Preferred Insurance Co. Y Y YLiberty Insurance Corp. Y Y Y

Lititz Mutual Lititz Mutual Insurance Co. YMAIF Maryland Auto Insurance Fund Y Y

Markel American Insurance Co. Y* Y Y Y Y *Renters OnlyEssentia Insurance Co. YMetropolitan Direct Property and Casualty Y Y YMetropolitan Property and Casualty Ins. Y Y YMetropolitan Group Property and Casualty Y Y Y Y YMetropolitan Casualty Insurance Co. Y Y Y Y YNGM Insurance Co Y Y* *Requires Home PolicyOld Dominion Insurance Co Y Y* Y* Y *Requires Auto Policy

Mutual Benefit Mutual Benefit Insurance Co. Y YIntegon Indemnity Corporation YNational General Insurance Co. YCentury National Insurance Co. Y* *Renters onlyNational General Assurance Co. Y Y Y

GEICO

Hartford

Horace Mann

Liberty Mutual

Markel

Metropolitan P&C

MSA Group

National General

19

February 2020





Motorcycle and

ScooterRV &



Amco Insurance Co. Y Y Y Y YNationwide Insurance Co. of America Y Y Y YNationwide Property & Casualty Co. Y Y YAllied Property & Casualty Insurance Co. Y Y

Penn National Penn National Insurance Co. Y Y Y Y YPharmacist Mutual Pharmacists Mutual Insurance Co. Y Y Y Y Y Y Y

Progressive Select Insurance Co. YAmerican Strategic Insurance Corp. YProgressive Casualty Insurance Co. Y Y Y Y YProgressive Specialty Insurance Co. Y* Y *Renters Only

PURE Privilege Underwriters Reciprocal Exch. Y Y Y Y Y Y Y YPraetorian Insurance Co. YQBE Insurance Corp. Y* *Home Policies only

Rider Insurance Co. Rider Insurance Co. Y YRoot Insurance Root Insurance Co. YSelective Selective Ins. Co. of South Carolina Y Y Y* Y Y* Y* Y Y *Requires Home PolicySentry Dairyland Insurance Co. YState Auto Meridian Security Insurance Co. Y Y Y Y Y Y Y Y Y

State Farm Fire & Casualty Co. Y Y Y Y Y Y YState Farm Mutual Automobile Ins. Co. Y Y Y Y Y

Tokio Marine Philadelphia Indemnity Insurance Co. YTravelers Property Casualty Insurance Co. Y Y YTravelers Personal Insurance Co. Y Y Y Y Y

United Farm Family American National Property & Casualty Co. Y Y Y Y* Y Y Y Y* Y *Requires Auto PolicyUnitrin Unitrin Safeguard Insurance Co. Y Y Y Y Y Y YUniversal Co. Grp. Universal North America Insurance Co. Y* *Renters OnlyUniversal Holdings Universal Property & Casualty Ins. Co. Y

USAA General Indemnity Co. Y Y A A A A A YGarrison Property & Casualty Insurance Co. Y Y A A A A A YUnited Services Automobile Association Y Y A A A A A YUSAA Casualty Insurance Co. Y Y A A A A A Y

Windsor Mt. Joy Windsor Mt. Joy Mutual Insurance Co. Y Y Y

Progressive

QBE Group

State Farm

Travelers

USAA

Nationwide

20

How to File a Complaint

Consumers may contact the Maryland Insurance Administration to file a complaint against an insurance company, agent, or broker.

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 company/agent/broker 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 Insurance Administration has made a determination regarding the complaint.

Important Contact Information for Insurance:

General Information 410-468-2000 or 1-800-492-6116TTY 1-800-735-2258E-mail: [email protected]: www.insurance.maryland.gov

Complaints Fax: 410-468-2307 (or 2334)

Rapid Response Program

The Insurance Administr o help

rectly

ation has a Rapid Response Program tconsumers 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.

he Rapid Response Program puts individuals having difficulty Tresolving certain claims in touch with special representatives at participating companies in an effort to help address problems diand quickly. For more information about this program, contact us at 410-468-2340 or 800-492-6116 ext. 2340. Participation in the RapidResponse Program is voluntary and does not affect your right to file aformal complaint.

54 21

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.

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 company or agent 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 Director of Communications at the address listed below.

200 St. Paul Place, Suite 2700 Baltimore, MD 21202

410-468-2000800-492-6116

800-735-2258 TTYwww.insurance.maryland.gov

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