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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