Signature on Original - Maryland Insurance Administration
If you have any questions, please contact Linas Glemza at (410) 468-2044, or by email at lglemza@mdinsurance.state.md.us.
Please provide this information no later than Wednesday December 17, 2014. In addition, please refer to the next page for a listing of revisions to this premium comparison request.
Therese Goldsmith Insurance Commissioner
Signature on Original
By: _
__
Sandra Castagna
Associate Commissioner
Property & Casualty
Enclosures:
PPA Premium Scenarios HO Premium Scenarios PPA and HO Excel Format File specifications
February 2015
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 Allegany Anne Arundel Baltimore Baltimore City Calvert Caroline Carroll Cecil Charles Dorchester Frederick Garrett Harford Howard Kent Montgomery Prince George's Queen Anne's Somerset St. Mary's Talbot Washington Wicomico Worcester
Town/City Cumberland Legion Ave Owings Mills Waverly Prince Frederick Denton Carrollton Elkton Waldorf Cambridge Frederick Oakland Bel Air Columbia Chestertown Colesville Fort Washington Centreville Princess Anne Leonardtown Easton Hagerstown Salisbury Berlin
Zip Code 21502 21401 21117 21218 20678 21629 21157 21921 20603 21613 21701 21550 21014 21044 21620 20904 20744 21617 21853 20650 21601 21740 21804 21811
Home Value $100,000 $320,000 $220,000 $110,000 $350,000 $180,000 $300,000 $210,000 $310,000 $160,000 $300,000 $120,000 $250,000 $410,000 $240,000 $440,000 $280,000 $330,000 $110,000 $280,000 $310,000 $190,000 $150,000 $240,000
Construction Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame
Protection Class* 5 5 5 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
Deductible $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
Age of Home (in years) 45 35 55 75 35 35 45 35 35 75 35 35 35 35 35 45 45 45 75 35 75 75 35 45
Water/Sewer Backup Limit
$10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
Auto/Home Discount
No No No No No No No No No No No No No No No No No No No No No No No No
Liability $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
Maryland Insurance Administration
1-800-492-6116
mdinsurance.state.md.us
February 2015
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 Allegany Anne Arundel Baltimore Baltimore City Calvert Caroline Carroll Cecil Charles Dorchester Frederick Garrett Harford Howard Kent Montgomery Prince George's Queen Anne's Somerset St. Mary's Talbot Washington Wicomico Worcester
Town/City Cumberland Legion Ave Owings Mills Waverly Prince Frederick Denton Carrollton Elkton Waldorf Cambridge Frederick Oakland Bel Air Columbia Chestertown Colesville Fort Washington Centreville Princess Anne Leonardtown Easton Hagerstown Salisbury Berlin
Zip Code 21502 21401 21117 21218 20678 21629 21157 21921 20603 21613 21701 21550 21014 21044 21620 20904 20744 21617 21853 20650 21601 21740 21804 21811
Home Value $120,000 $370,000 $270,000 $160,000 $390,000 $230,000 $350,000 $260,000 $360,000 $210,000 $350,000 $170,000 $300,000 $460,000 $280,000 $480,000 $330,000 $380,000 $160,000 $330,000 $350,000 $240,000 $200,000 $290,000
Construction Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame
Protection Class* 5 5 5 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
Deductible $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
Age of Home (in years) 35 25 45 65 25 25 35 25 25 65 25 25 25 25 25 35 35 35 65 25 65 65 25 35
Water/Sewer Backup Limit
$15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
Auto/Home Discount
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Liability $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
Maryland Insurance Administration
1-800-492-6116
mdinsurance.state.md.us
February 2015
Homeowners Policy Scenario 3
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 Allegany Anne Arundel Baltimore Baltimore City Calvert Caroline Carroll Cecil Charles Dorchester Frederick Garrett Harford Howard Kent Montgomery Prince George's Queen Anne's Somerset St. Mary's Talbot Washington Wicomico Worcester
Town/City Cumberland Legion Ave Owings Mills Waverly Prince Frederick Denton Carrollton Elkton Waldorf Cambridge Frederick Oakland Bel Air Columbia Chestertown Colesville Fort Washington Centreville Princess Anne Leonardtown Easton Hagerstown Salisbury Berlin
Zip Code 21502 21401 21117 21218 20678 21629 21157 21921 20603 21613 21701 21550 21014 21044 21620 20904 20744 21617 21853 20650 21601 21740 21804 21811
Home Value $170,000 $420,000 $320,000 $210,000 $440,000 $280,000 $400,000 $310,000 $410,000 $260,000 $400,000 $220,000 $350,000 $510,000 $330,000 $530,000 $380,000 $430,000 $210,000 $380,000 $400,000 $290,000 $250,000 $340,000
Construction Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry Masonry
Protection Class* 5 5 5 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
Deductible $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000
Age of Home (in years) 25 15 35 55 15 15 25 15 15 55 15 15 15 15 15 25 25 25 55 15 55 55 15 25
Water/Sewer Backup Limit
$75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
Auto/Home Discount
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Liability $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000
Maryland Insurance Administration
1-800-492-6116
mdinsurance.state.md.us
February 2015
Homeowners Policy Scenario 4
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 Allegany Anne Arundel Baltimore Baltimore City Calvert Caroline Carroll Cecil Charles Dorchester Frederick Garrett Harford Howard Kent Montgomery Prince George's Queen Anne's Somerset St. Mary's Talbot Washington Wicomico Worcester
Town/City Cumberland Legion Ave Owings Mills Waverly Prince Frederick Denton Carrollton Elkton Waldorf Cambridge Frederick Oakland Bel Air Columbia Chestertown Colesville Fort Washington Centreville Princess Anne Leonardtown Easton Hagerstown Salisbury Berlin
Zip Code 21502 21401 21117 21218 20678 21629 21157 21921 20603 21613 21701 21550 21014 21044 21620 20904 20744 21617 21853 20650 21601 21740 21804 21811
Home Value $220,000 $470,000 $370,000 $260,000 $490,000 $330,000 $450,000 $360,000 $460,000 $310,000 $450,000 $270,000 $400,000 $560,000 $380,000 $580,000 $430,000 $480,000 $260,000 $430,000 $450,000 $340,000 $300,000 $390,000
Construction Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame
Protection Class* 5 5 5 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
Deductible $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000
Age of Home (in years) 15 10 15 15 10 10 15 10 10 15 10 10 10 10 10 15 15 15 15 10 15 15 10 15
Water/Sewer Backup Limit
$20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
Auto/Home Discount
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Liability $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000
Maryland Insurance Administration
1-800-492-6116
mdinsurance.state.md.us
February 2015
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. Note: ZIP codes are for sampling purposes only.
County/City Allegany Anne Arundel Baltimore Baltimore City Calvert Caroline Carroll Cecil Charles Dorchester Frederick Garrett Harford Howard Kent Montgomery Prince George's Queen Anne's Somerset St. Mary's Talbot Washington Wicomico Worcester
Town/City Cumberland Legion Ave Owings Mills Waverly Prince Frederick Denton Carrollton Elkton Waldorf Cambridge Frederick Oakland Bel Air Columbia Chestertown Colesville Fort Washington Centreville Princess Anne Leonardtown Easton Hagerstown Salisbury Berlin
Zip Code 21502 21401 21117 21218 20678 21629 21157 21921 20603 21613 21701 21550 21014 21044 21620 20904 20744 21617 21853 20650 21601 21740 21804 21811
Coverage C Amount $100,000 $100,000 $100,000 $100,000 $75,000 $100,000 $75,000 $75,000 $100,000 $75,000 $100,000 $75,000 $75,000 $75,000 $75,000 $125,000 $100,000 $50,000 $75,000 $75,000 $50,000 $75,000 $75,000 $75,000
Construction Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame
Protection Class* 5 5 5 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
Deductible $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
Age of Home (in years) 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15
Water/Sewer Backup Limit
$20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
Auto/Home Discount
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Liability $100,000 $100,000 $100,000 $300,000 $100,000 $100,000 $100,000 $100,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
Maryland Insurance Administration
1-800-492-6116
mdinsurance.state.md.us
February 2015
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 Allegany Anne Arundel Baltimore Baltimore City Calvert Caroline Carroll Cecil Charles Dorchester Frederick Garrett Harford Howard Kent Montgomery Prince George's Queen Anne's Somerset St. Mary's Talbot Washington Wicomico Worcester
Town/City Cumberland Legion Ave Owings Mills Waverly Prince Frederick Denton Carrollton Elkton Waldorf Cambridge Frederick Oakland Bel Air Columbia Chestertown Colesville Fort Washington Centreville Princess Anne Leonardtown Easton Hagerstown Salisbury Berlin
Zip Code 21502 21401 21117 21218 20678 21629 21157 21921 20603 21613 21701 21550 21014 21044 21620 20904 20744 21617 21853 20650 21601 21740 21804 21811
Coverage C Amount $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $75,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000
Construction Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame Frame
Protection Class* 5 5 5 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
Deductible $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
Age of Home (in years) n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Water/Sewer Backup Limit
n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
* Protection Class is the distance from the fire hydrant and the quality of your local fire department.
Auto/Home Discount
No No No No No No No No No No No No No No No No No No No No No No No No
Liability $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $300,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
Maryland Insurance Administration
1-800-492-6116
mdinsurance.state.md.us
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