Table of Contents. How to Shop for Homeowners Insurance. How to Shop for Homeowners Insurance 1. Things to Consider 2. What Factors Impact Rates 2

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1 As of August 2018 i

2 Table of Contents How to Shop for Homeowners Insurance 1 Things to Consider 2 What Factors Impact Rates 2 How to Use This Guide 3 Definitions 4 Scenario Descriptions 5 Comparison Worksheet 11 Rate Comparisons Western Maryland, Washington, D.C. and Southern Maryland Greater Baltimore Suburban Area 27 Eastern Shore (w/o Cecil) 39 Insurance Companies Phone Numbers and Websites 51 Coverages Offered by Company 53 How to File a Complaint 57 Rapid Response Program How to Shop for Homeowners 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 homeowner 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 insurance companies or agents. 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 company or agent. 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 companies (not just the ones listed in our guide). The rates and/or underwriting requirements may be different for each. Ask the agent about other companies in the group. Ask for discounts: Again, to help keep rates down, ask what discounts the company 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 companies offer discounts to senior citizens, members of groups or associations, and nonsmokers. 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 companies have a different deductible for the water and sewer endorsement than the deductible that applies to other claims. 1

3 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 homeowners insurance policy. Homeowners 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 insurance company, contact the Maryland Insurance Administration (MIA) to verify that the agency and/or company is licensed to sell insurance in Maryland. It is illegal for unlicensed companies and agents to sell insurance in Maryland. You can get this information on the MIA website, under Company and Producer Search. Financing Insurance: Not everyone can afford to pay their insurance premiums up front. Therefore, many insurance companies 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 insurance, companies 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 company will group you with policyholders that have similar risk characteristics. Then, the company 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. For more detailed information about shopping for homeowners insurance, please refer to the Maryland Insurance Administration s Consumer Guide to Homeowners Insurance. It is available on our website, or it may be requested by calling the MIA at or

4 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 companies and rates provided for that scenario. Remember... Discuss options with your company representative or agent. 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 company. Citizens may pay actual premiums less than or greater than the amounts provided in this guide. Carriers 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 insurance representative. RATES AND AVAILABILITY ARE SUBJECT TO CHANGE BY THE CARRIERS. 3

5 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. 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 companies have a different deductible for the water and sewer endorsement than the deductible that applies to other claims. Home Value: Amount of dwelling coverage. Loss Assessment Coverage: Coverage for unit-owners who are assessed by their condominium association for losses to common areas and facilities that are not completely covered by the condominium association's policy. 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. 4

6 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 $100,000 Frame 5 $ $10,000 No $100,000 Anne Arundel Annapolis $320,000 Frame 5 $ $10,000 No $100,000 Baltimore Owings Mills $220,000 Frame 5 $ $10,000 No $100,000 Baltimore City Waverly $110,000 Frame 1 $ $10,000 No $100,000 Calvert Prince Frederick $350,000 Frame 5 $ $10,000 No $100,000 Caroline Denton $180,000 Frame 5 $ $10,000 No $100,000 Carroll Carrollton $300,000 Frame 5 $ $10,000 No $100,000 Cecil Elkton $210,000 Frame 5 $ $10,000 No $100,000 Charles Waldorf $310,000 Frame 5 $ $10,000 No $100,000 Dorchester Cambridge $160,000 Frame 5 $ $10,000 No $100,000 Frederick Frederick $300,000 Frame 5 $ $10,000 No $100,000 Garrett Oakland $120,000 Frame 5 $ $10,000 No $100,000 Harford Bel Air $250,000 Frame 5 $ $10,000 No $100,000 Howard Columbia $410,000 Frame 5 $ $10,000 No $100,000 Kent Chestertown $240,000 Frame 5 $ $10,000 No $100,000 Montgomery Colesville $440,000 Frame 5 $ $10,000 No $100,000 Prince George's Fort Washington $280,000 Frame 5 $ $10,000 No $100,000 Queen Anne's Centreville $330,000 Frame 5 $ $10,000 No $100,000 Somerset Princess Anne $110,000 Frame 5 $ $10,000 No $100,000 St. Mary's Leonardtown $280,000 Frame 5 $ $10,000 No $100,000 Talbot Easton $310,000 Frame 5 $ $10,000 No $100,000 Washington Hagerstown $190,000 Frame 5 $ $10,000 No $100,000 Wicomico Salisbury $150,000 Frame 5 $ $10,000 No $100,000 Worcester Berlin $240,000 Frame 5 $ $10,000 No $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration

7 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 $120,000 Frame 5 $ $15,000 Yes $100,000 Anne Arundel Annapolis $370,000 Frame 5 $ $15,000 Yes $100,000 Baltimore Owings Mills $270,000 Frame 5 $ $15,000 Yes $100,000 Baltimore City Waverly $160,000 Frame 1 $ $15,000 Yes $100,000 Calvert Prince Frederick $390,000 Frame 5 $ $15,000 Yes $100,000 Caroline Denton $230,000 Frame 5 $ $15,000 Yes $100,000 Carroll Carrollton $350,000 Frame 5 $ $15,000 Yes $100,000 Cecil Elkton $260,000 Frame 5 $ $15,000 Yes $100,000 Charles Waldorf $360,000 Frame 5 $ $15,000 Yes $100,000 Dorchester Cambridge $210,000 Frame 5 $ $15,000 Yes $100,000 Frederick Frederick $350,000 Frame 5 $ $15,000 Yes $100,000 Garrett Oakland $170,000 Frame 5 $ $15,000 Yes $100,000 Harford Bel Air $300,000 Frame 5 $ $15,000 Yes $100,000 Howard Columbia $460,000 Frame 5 $ $15,000 Yes $100,000 Kent Chestertown $280,000 Frame 5 $ $15,000 Yes $100,000 Montgomery Colesville $480,000 Frame 5 $ $15,000 Yes $100,000 Prince George's Fort Washington $330,000 Frame 5 $ $15,000 Yes $100,000 Queen Anne's Centreville $380,000 Frame 5 $ $15,000 Yes $100,000 Somerset Princess Anne $160,000 Frame 5 $ $15,000 Yes $100,000 St. Mary's Leonardtown $330,000 Frame 5 $ $15,000 Yes $100,000 Talbot Easton $350,000 Frame 5 $ $15,000 Yes $100,000 Washington Hagerstown $240,000 Frame 5 $ $15,000 Yes $100,000 Wicomico Salisbury $200,000 Frame 5 $ $15,000 Yes $100,000 Worcester Berlin $290,000 Frame 5 $ $15,000 Yes $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration

8 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 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 $170,000 Masonry 5 $1, $75,000 Yes $300,000 Anne Arundel Annapolis $420,000 Masonry 5 $1, $75,000 Yes $300,000 Baltimore Owings Mills $320,000 Masonry 5 $1, $75,000 Yes $300,000 Baltimore City Waverly $210,000 Masonry 1 $1, $75,000 Yes $300,000 Calvert Prince Frederick $440,000 Masonry 5 $1, $75,000 Yes $300,000 Caroline Denton $280,000 Masonry 5 $1, $75,000 Yes $300,000 Carroll Carrollton $400,000 Masonry 5 $1, $75,000 Yes $300,000 Cecil Elkton $310,000 Masonry 5 $1, $75,000 Yes $300,000 Charles Waldorf $410,000 Masonry 5 $1, $75,000 Yes $300,000 Dorchester Cambridge $260,000 Masonry 5 $1, $75,000 Yes $300,000 Frederick Frederick $400,000 Masonry 5 $1, $75,000 Yes $300,000 Garrett Oakland $220,000 Masonry 5 $1, $75,000 Yes $300,000 Harford Bel Air $350,000 Masonry 5 $1, $75,000 Yes $300,000 Howard Columbia $510,000 Masonry 5 $1, $75,000 Yes $300,000 Kent Chestertown $330,000 Masonry 5 $1, $75,000 Yes $300,000 Montgomery Colesville $530,000 Masonry 5 $1, $75,000 Yes $300,000 Prince George's Fort Washington $380,000 Masonry 5 $1, $75,000 Yes $300,000 Queen Anne's Centreville $430,000 Masonry 5 $1, $75,000 Yes $300,000 Somerset Princess Anne $210,000 Masonry 5 $1, $75,000 Yes $300,000 St. Mary's Leonardtown $380,000 Masonry 5 $1, $75,000 Yes $300,000 Talbot Easton $400,000 Masonry 5 $1, $75,000 Yes $300,000 Washington Hagerstown $290,000 Masonry 5 $1, $75,000 Yes $300,000 Wicomico Salisbury $250,000 Masonry 5 $1, $75,000 Yes $300,000 Worcester Berlin $340,000 Masonry 5 $1, $75,000 Yes $300,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration

9 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 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 $220,000 Frame 5 $1, $20,000 Yes $300,000 Anne Arundel Annapolis $470,000 Frame 5 $1, $20,000 Yes $300,000 Baltimore Owings Mills $370,000 Frame 5 $1, $20,000 Yes $300,000 Baltimore City Waverly $260,000 Frame 1 $1, $20,000 Yes $300,000 Calvert Prince Frederick $490,000 Frame 5 $1, $20,000 Yes $300,000 Caroline Denton $330,000 Frame 5 $1, $20,000 Yes $300,000 Carroll Carrollton $450,000 Frame 5 $1, $20,000 Yes $300,000 Cecil Elkton $360,000 Frame 5 $1, $20,000 Yes $300,000 Charles Waldorf $460,000 Frame 5 $1, $20,000 Yes $300,000 Dorchester Cambridge $310,000 Frame 5 $1, $20,000 Yes $300,000 Frederick Frederick $450,000 Frame 5 $1, $20,000 Yes $300,000 Garrett Oakland $270,000 Frame 5 $1, $20,000 Yes $300,000 Harford Bel Air $400,000 Frame 5 $1, $20,000 Yes $300,000 Howard Columbia $560,000 Frame 5 $1, $20,000 Yes $300,000 Kent Chestertown $380,000 Frame 5 $1, $20,000 Yes $300,000 Montgomery Colesville $580,000 Frame 5 $1, $20,000 Yes $300,000 Prince George's Fort Washington $430,000 Frame 5 $1, $20,000 Yes $300,000 Queen Anne's Centreville $480,000 Frame 5 $1, $20,000 Yes $300,000 Somerset Princess Anne $260,000 Frame 5 $1, $20,000 Yes $300,000 St. Mary's Leonardtown $430,000 Frame 5 $1, $20,000 Yes $300,000 Talbot Easton $450,000 Frame 5 $1, $20,000 Yes $300,000 Washington Hagerstown $340,000 Frame 5 $1, $20,000 Yes $300,000 Wicomico Salisbury $300,000 Frame 5 $1, $20,000 Yes $300,000 Worcester Berlin $390,000 Frame 5 $1, $20,000 Yes $300,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration

10 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 $100,000 Frame 5 $ $20,000 Yes $100,000 Anne Arundel Annapolis $100,000 Frame 5 $ $20,000 Yes $100,000 Baltimore Owings Mills $100,000 Frame 5 $ $20,000 Yes $100,000 Baltimore City Waverly $100,000 Frame 1 $ $20,000 Yes $300,000 Calvert Prince Frederick $75,000 Frame 5 $ $20,000 Yes $100,000 Caroline Denton $100,000 Frame 5 $ $20,000 Yes $100,000 Carroll Carrollton $75,000 Frame 5 $ $20,000 Yes $100,000 Cecil Elkton $75,000 Frame 5 $ $20,000 Yes $100,000 Charles Waldorf $100,000 Frame 5 $ $20,000 Yes $300,000 Dorchester Cambridge $75,000 Frame 5 $ $20,000 Yes $300,000 Frederick Frederick $100,000 Frame 5 $ $20,000 Yes $300,000 Garrett Oakland $75,000 Frame 5 $ $20,000 Yes $300,000 Harford Bel Air $75,000 Frame 5 $ $20,000 Yes $300,000 Howard Columbia $75,000 Frame 5 $ $20,000 Yes $300,000 Kent Chestertown $75,000 Frame 5 $ $20,000 Yes $300,000 Montgomery Colesville $125,000 Frame 5 $ $20,000 Yes $300,000 Prince George's Fort Washington $100,000 Frame 5 $ $20,000 Yes $300,000 Queen Anne's Centreville $50,000 Frame 5 $ $20,000 Yes $100,000 Somerset Princess Anne $75,000 Frame 5 $ $20,000 Yes $100,000 St. Mary's Leonardtown $75,000 Frame 5 $ $20,000 Yes $100,000 Talbot Easton $50,000 Frame 5 $ $20,000 Yes $100,000 Washington Hagerstown $75,000 Frame 5 $ $20,000 Yes $100,000 Wicomico Salisbury $75,000 Frame 5 $ $20,000 Yes $100,000 Worcester Berlin $75,000 Frame 5 $ $20,000 Yes $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration

11 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 $50,000 Frame 5 $500 n/a n/a No $100,000 Anne Arundel Annapolis $50,000 Frame 5 $500 n/a n/a No $100,000 Baltimore Owings Mills $50,000 Frame 5 $500 n/a n/a No $100,000 Baltimore City Waverly $50,000 Frame 1 $500 n/a n/a No $100,000 Calvert Prince Frederick $50,000 Frame 5 $500 n/a n/a No $100,000 Caroline Denton $50,000 Frame 5 $500 n/a n/a No $100,000 Carroll Carrollton $50,000 Frame 5 $500 n/a n/a No $100,000 Cecil Elkton $50,000 Frame 5 $500 n/a n/a No $100,000 Charles Waldorf $75,000 Frame 5 $500 n/a n/a No $300,000 Dorchester Cambridge $75,000 Frame 5 $500 n/a n/a No $300,000 Frederick Frederick $75,000 Frame 5 $500 n/a n/a No $300,000 Garrett Oakland $75,000 Frame 5 $500 n/a n/a No $300,000 Harford Bel Air $75,000 Frame 5 $500 n/a n/a No $300,000 Howard Columbia $75,000 Frame 5 $500 n/a n/a No $300,000 Kent Chestertown $75,000 Frame 5 $500 n/a n/a No $300,000 Montgomery Colesville $75,000 Frame 5 $500 n/a n/a No $300,000 Prince George's Fort Washington $75,000 Frame 5 $500 n/a n/a No $300,000 Queen Anne's Centreville $50,000 Frame 5 $500 n/a n/a No $100,000 Somerset Princess Anne $50,000 Frame 5 $500 n/a n/a No $100,000 St. Mary's Leonardtown $50,000 Frame 5 $500 n/a n/a No $100,000 Talbot Easton $50,000 Frame 5 $500 n/a n/a No $100,000 Washington Hagerstown $50,000 Frame 5 $500 n/a n/a No $100,000 Wicomico Salisbury $50,000 Frame 5 $500 n/a n/a No $100,000 Worcester Berlin $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. Maryland Insurance Administration

12 Shopping for Homeowners Insurance Company/Policy Comparison Worksheet If you are shopping for homeowners insurance, you may use this worksheet to help gather information about insurance companies and the homeowners insurance policies they sell. You may call a producer or the insurance company for a rate quote. Telephone number Company Name Financing rating Company 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

13 Dwelling COVERAGE COMPARISON (Coverages vary by policy. Make sure you get the coverage you need!) COVERAGE LIMITS Other buildings Personal Property Loss of Use Liability Medical Payments Fire or lightening Windstorm or hail Explosion POLICY COVERS DAMAGE FROM (YES/NO) 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 12

14 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** POLICY EXCLUDES ADDITIONAL PROPERTY COVERAGES **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 agent near you, visit 13

15 Additional limits of liability for Coverages A, B, C and D. LIST OF OPTIONAL INSURANCE COVERAGES THAT ARE AVAILABLE BY ENDORSEMENT 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 14

16 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co Maryland, Allstate Vehicle & Property Insurance Co Washington D.C. American National Property & Casualty Co Suburbs, and American Security Insurance Co Southern American Strategic Insurance Corp Maryland Amica Mutual Insurance Co Brethren Mutual Insurance Co. n/a n/a Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co. n/a n/a /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co. n/a n/a n/a Erie Insurance Co n/a = Carriers Esurance Insurance Co n/a 1372 n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

17 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America Maryland, NGM Insurance Co Washington D.C. Peninsula Insurance Co Suburbs, and Penn National Insurance Co Southern Pharmacists Mutual Insurance Co Maryland Praetorian Insurance Co n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 16

18 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co Maryland, Allstate Vehicle & Property Insurance Co Washington D.C. American National Property & Casualty Co Suburbs, and American Security Insurance Co Southern American Strategic Insurance Corp Maryland Amica Mutual Insurance Co Brethren Mutual Insurance Co. n/a Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co. n/a /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co. n/a n/a Erie Insurance Co n/a = Carriers Esurance Insurance Co n/a 1308 n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

19 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America Maryland, NGM Insurance Co Washington D.C. Peninsula Insurance Co Suburbs, and Penn National Insurance Co Southern Pharmacists Mutual Insurance Co Maryland Praetorian Insurance Co n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 18

20 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co Maryland, Allstate Vehicle & Property Insurance Co Washington D.C. American National Property & Casualty Co Suburbs, and American Security Insurance Co Southern American Strategic Insurance Corp Maryland Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co. n/a Erie Insurance Co n/a = Carriers Esurance Insurance Co n/a 1273 n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

21 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America Maryland, NGM Insurance Co Washington D.C. Peninsula Insurance Co Suburbs, and Penn National Insurance Co Southern Pharmacists Mutual Insurance Co Maryland Praetorian Insurance Co n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 20

22 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co Maryland, Allstate Vehicle & Property Insurance Co Washington D.C. American National Property & Casualty Co Suburbs, and American Security Insurance Co Southern American Strategic Insurance Corp Maryland Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Esurance Insurance Co n/a 1303 n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

23 Homeowners Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America Maryland, NGM Insurance Co Washington D.C. Peninsula Insurance Co Suburbs, and Penn National Insurance Co Southern Pharmacists Mutual Insurance Co Maryland Praetorian Insurance Co Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 22

24 Condominium Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co Maryland, Allstate Insurance Co Washington D.C. American Bankers Insurance Co. of FL Suburbs, and American National Property & Casualty Co Southern American Strategic Insurance Corp Maryland Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Everett Cash Mutual Insurance Co that do not have Farmers Insurance Exchange rates Farmers Mutual Fire Ins. Co. of Salem Cnty available based Federal Insurance Co on the criteria Frederick Mutual Insurance Co in the Garrison Property & Casualty Ins. Co scenario. Hartford Fire Insurance Co Homesite Insurance Co. of the Midwest Certain Horace Mann Insurance Co companies may IDS Property Casualty Ins. Co impose higher Liberty Insurance Corp and separate Lititz Mutual Insurance Co wind/hail or LM Insurance Corp hurricane Meridian Security Insurance Co deductibles. Metropolitan Group Property and Casualty Please contact Metropolitan Property and Casualty Ins your agent or Mutual Benefit Insurance Co company for Nationwide Insurance Co. of America

25 Condominium Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western NGM Insurance Co Maryland, Peninsula Insurance Co Washington D.C. Penn National Insurance Co Suburbs, and Pharmacists Mutual Insurance Co Southern Praetorian Insurance Co Maryland Privilege Underwriters Reciprocal Exch Safeco Insurance Co. of America Selective Ins. Co. of South Carolina Rates State Farm Fire & Casualty Co Effective Stillwater P & C Insurance Co as of Teachers Insurance Co /1/2018 Travelers Commercial Insurance Co Travelers Home & Marine Insurance Co United Services Automobile Association n/a = Carriers Unitrin Direct Property & Casualty Co that do not have Unitrin Safeguard Insurance Co rates Universal Property & Casualty Ins. Co available based USAA Casualty Insurance Co on the criteria USAA General Indemnity Co in the Vigilant Insurance Co scenario. Windsor Mt. Joy Mutual Insurance Co Certain companies may impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 24

26 Renters Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co Maryland, Allstate Insurance Co Washington D.C. American Bankers Insurance Co. of FL Suburbs, and American Family Home Insurance Co Southern American Modern Home Insurance Co Maryland American National Property & Casualty Co American Strategic Insurance Corp Amica Mutual Insurance Co Rates Brethren Mutual Insurance Co Effective Century National Insurance Co as of Chubb National Insurance Co /1/2018 Cincinnati Insurance Co CSAA Affinity Insurance Co Cumberland Mutual Fire Insurance Co n/a = Carriers Donegal Mutual Insurance Co that do not have Encompass Home/Auto Insurance Co rates Erie Insurance Co available based Everett Cash Mutual Insurance Co on the criteria Farmers Insurance Exchange in the Farmers Mutual Fire Ins. Co. of Salem Cnty scenario. Federal Insurance Co First American Property & Casualty Ins. Co Certain Frederick Mutual Insurance Co companies may Garrison Property & Casualty Ins. Co impose higher Hartford Fire Insurance Co and separate Homesite Insurance Co. of the Midwest wind/hail or Horace Mann Insurance Co hurricane IDS Property Casualty Ins. Co deductibles. Liberty Insurance Corp Please contact Lititz Mutual Insurance Co your agent or LM Insurance Corp company for Markel American Insurance Co

27 Renters Policy Scenario Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Meridian Security Insurance Co Maryland, Metropolitan Group Property and Casualty Washington D.C. Metropolitan Property and Casualty Ins Suburbs, and Mutual Benefit Insurance Co Southern Nationwide Insurance Co. of America Maryland NGM Insurance Co Peninsula Insurance Co Penn National Insurance Co Rates Pharmacists Mutual Insurance Co Effective Praetorian Insurance Co as of Privilege Underwriters Reciprocal Exch /1/2018 Progressive Specialty Insurance Co Safeco Insurance Co. of America Selective Ins. Co. of South Carolina n/a = Carriers State Farm Fire & Casualty Co that do not have Stillwater P & C Insurance Co rates Teachers Insurance Co available based Travelers Commercial Insurance Co on the criteria Travelers Home & Marine Insurance Co in the United Services Automobile Association scenario. Unitrin Direct Property & Casualty Co Unitrin Safeguard Insurance Co Certain Universal Property & Casualty Ins. Co companies may USAA Casualty Insurance Co impose higher USAA General Indemnity Co and separate Vigilant Insurance Co wind/hail or Windsor Mt. Joy Mutual Insurance Co hurricane deductibles. Please contact your agent or company for 26

28 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co Baltimore Allstate Vehicle & Property Insurance Co Suburban American National Property & Casualty Co Area American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co n/a Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co n/a /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co n/a Erie Insurance Co n/a = Carriers Esurance Insurance Co that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

29 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America Baltimore NGM Insurance Co Suburban Peninsula Insurance Co Area Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co n/a n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 28

30 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co Baltimore Allstate Vehicle & Property Insurance Co Suburban American National Property & Casualty Co Area American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co n/a Erie Insurance Co n/a = Carriers Esurance Insurance Co that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

31 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America Baltimore NGM Insurance Co Suburban Peninsula Insurance Co Area Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 30

32 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co Baltimore Allstate Vehicle & Property Insurance Co Suburban American National Property & Casualty Co Area American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Esurance Insurance Co that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

33 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America Baltimore NGM Insurance Co Suburban Peninsula Insurance Co Area Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 32

34 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co Baltimore Allstate Vehicle & Property Insurance Co Suburban American National Property & Casualty Co Area American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Esurance Insurance Co that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

35 Homeowners Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America Baltimore NGM Insurance Co Suburban Peninsula Insurance Co Area Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 34

36 Condominium Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co Baltimore Allstate Insurance Co Suburban American Bankers Insurance Co. of FL Area American National Property & Casualty Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Everett Cash Mutual Insurance Co that do not have Farmers Insurance Exchange rates Farmers Mutual Fire Ins. Co. of Salem Cnty available based Federal Insurance Co on the criteria Frederick Mutual Insurance Co in the Garrison Property & Casualty Ins. Co scenario. Hartford Fire Insurance Co Homesite Insurance Co. of the Midwest Certain Horace Mann Insurance Co companies may IDS Property Casualty Ins. Co impose higher Liberty Insurance Corp and separate Lititz Mutual Insurance Co wind/hail or LM Insurance Corp hurricane Meridian Security Insurance Co deductibles. Metropolitan Group Property and Casualty Please contact Metropolitan Property and Casualty Ins your agent or Mutual Benefit Insurance Co company for Nationwide Insurance Co. of America

37 Condominium Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater NGM Insurance Co Baltimore Peninsula Insurance Co Suburban Penn National Insurance Co Area Pharmacists Mutual Insurance Co Praetorian Insurance Co Privilege Underwriters Reciprocal Exch Safeco Insurance Co. of America Selective Ins. Co. of South Carolina Rates State Farm Fire & Casualty Co Effective Stillwater P & C Insurance Co as of Teachers Insurance Co /1/2018 Travelers Commercial Insurance Co Travelers Home & Marine Insurance Co United Services Automobile Association n/a = Carriers Unitrin Direct Property & Casualty Co that do not have Unitrin Safeguard Insurance Co rates Universal Property & Casualty Ins. Co available based USAA Casualty Insurance Co on the criteria USAA General Indemnity Co in the Vigilant Insurance Co scenario. Windsor Mt. Joy Mutual Insurance Co Certain companies may impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 36

38 Renters Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co Baltimore Allstate Insurance Co Suburban American Bankers Insurance Co. of FL Area American Family Home Insurance Co American Modern Home Insurance Co American National Property & Casualty Co American Strategic Insurance Corp Amica Mutual Insurance Co Rates Brethren Mutual Insurance Co Effective Century National Insurance Co as of Chubb National Insurance Co /1/2018 Cincinnati Insurance Co CSAA Affinity Insurance Co Cumberland Mutual Fire Insurance Co n/a = Carriers Donegal Mutual Insurance Co that do not have Encompass Home/Auto Insurance Co rates Erie Insurance Co available based Everett Cash Mutual Insurance Co on the criteria Farmers Insurance Exchange in the Farmers Mutual Fire Ins. Co. of Salem Cnty scenario. Federal Insurance Co First American Property & Casualty Ins. Co Certain Frederick Mutual Insurance Co companies may Garrison Property & Casualty Ins. Co impose higher Hartford Fire Insurance Co and separate Homesite Insurance Co. of the Midwest wind/hail or Horace Mann Insurance Co hurricane IDS Property Casualty Ins. Co deductibles. Liberty Insurance Corp Please contact Lititz Mutual Insurance Co your agent or LM Insurance Corp company for Markel American Insurance Co

39 Renters Policy Scenario Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Meridian Security Insurance Co Baltimore Metropolitan Group Property and Casualty Suburban Metropolitan Property and Casualty Ins Area Mutual Benefit Insurance Co Nationwide Insurance Co. of America NGM Insurance Co Peninsula Insurance Co Penn National Insurance Co Rates Pharmacists Mutual Insurance Co Effective Praetorian Insurance Co as of Privilege Underwriters Reciprocal Exch /1/2018 Progressive Specialty Insurance Co Safeco Insurance Co. of America Selective Ins. Co. of South Carolina n/a = Carriers State Farm Fire & Casualty Co that do not have Stillwater P & C Insurance Co rates Teachers Insurance Co available based Travelers Commercial Insurance Co on the criteria Travelers Home & Marine Insurance Co in the United Services Automobile Association scenario. Unitrin Direct Property & Casualty Co Unitrin Safeguard Insurance Co Certain Universal Property & Casualty Ins. Co companies may USAA Casualty Insurance Co impose higher USAA General Indemnity Co and separate Vigilant Insurance Co wind/hail or Windsor Mt. Joy Mutual Insurance Co hurricane deductibles. Please contact your agent or company for 38

40 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co Shore Allstate Vehicle & Property Insurance Co (w/o Cecil) American National Property & Casualty Co American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co n/a Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co n/a /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co. n/a n/a n/a 1947 n/a 2147 Erie Insurance Co n/a = Carriers Esurance Insurance Co. 767 n/a n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

41 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America Shore NGM Insurance Co (w/o Cecil) Peninsula Insurance Co Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co n/a n/a n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 40

42 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co Shore Allstate Vehicle & Property Insurance Co (w/o Cecil) American National Property & Casualty Co American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co n/a Erie Insurance Co n/a = Carriers Esurance Insurance Co. 696 n/a n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

43 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America Shore NGM Insurance Co (w/o Cecil) Peninsula Insurance Co Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co n/a n/a n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 42

44 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co Shore Allstate Vehicle & Property Insurance Co (w/o Cecil) American National Property & Casualty Co American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Esurance Insurance Co. 706 n/a n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

45 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America Shore NGM Insurance Co (w/o Cecil) Peninsula Insurance Co Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co n/a n/a n/a Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 44

46 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co Shore Allstate Vehicle & Property Insurance Co (w/o Cecil) American National Property & Casualty Co American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Esurance Insurance Co. 750 n/a n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co rates Farmers Insurance Exchange available based Farmers Mutual Fire Ins. Co. of Salem Cnty on the criteria Federal Insurance Co in the Frederick Mutual Insurance Co scenario. Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Certain Homesite Insurance Co companies may Horace Mann Insurance Co impose higher IDS Property Casualty Ins. Co and separate Liberty Insurance Corp wind/hail or Lititz Mutual Insurance Co hurricane LM Insurance Corp deductibles. Meridian Security Insurance Co Please contact Metropolitan Group Property and Casualty your agent or Metropolitan Property and Casualty Ins company for Mutual Benefit Insurance Co

47 Homeowners Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America Shore NGM Insurance Co (w/o Cecil) Peninsula Insurance Co Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co Privilege Underwriters Reciprocal Exch QBE Insurance Corp Rates Safeco Insurance Co. of America Effective Selective Ins. Co. of South Carolina as of Standard Guaranty Insurance Co /1/2018 State Farm Fire & Casualty Co Stillwater P & C Insurance Co Teachers Insurance Co n/a = Carriers Travelers Commercial Insurance Co that do not have Travelers Home & Marine Insurance Co rates United Services Automobile Association available based Unitrin Direct Property & Casualty Co on the criteria Unitrin Safeguard Insurance Co in the Universal North America Insurance Co scenario. Universal Property & Casualty Ins. Co USAA Casualty Insurance Co Certain USAA General Indemnity Co companies may Vigilant Insurance Co impose higher Windsor Mt. Joy Mutual Insurance Co and separate wind/hail or hurricane deductibles. Please contact your agent or company for 46

48 Condominium Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co Shore Allstate Insurance Co (w/o Cecil) American Bankers Insurance Co. of FL American National Property & Casualty Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Chubb National Insurance Co Rates Cincinnati Insurance Co Effective CSAA Affinity Insurance Co as of Cumberland Mutual Fire Insurance Co /1/2018 Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co n/a = Carriers Everett Cash Mutual Insurance Co that do not have Farmers Insurance Exchange rates Farmers Mutual Fire Ins. Co. of Salem Cnty available based Federal Insurance Co on the criteria Frederick Mutual Insurance Co in the Garrison Property & Casualty Ins. Co scenario. Hartford Fire Insurance Co Homesite Insurance Co. of the Midwest Certain Horace Mann Insurance Co companies may IDS Property Casualty Ins. Co impose higher Liberty Insurance Corp and separate Lititz Mutual Insurance Co wind/hail or LM Insurance Corp hurricane Meridian Security Insurance Co deductibles. Metropolitan Group Property and Casualty Please contact Metropolitan Property and Casualty Ins your agent or Mutual Benefit Insurance Co company for Nationwide Insurance Co. of America

49 Condominium Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern NGM Insurance Co Shore Peninsula Insurance Co (w/o Cecil) Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co Privilege Underwriters Reciprocal Exch Safeco Insurance Co. of America Selective Ins. Co. of South Carolina Rates State Farm Fire & Casualty Co Effective Stillwater P & C Insurance Co as of Teachers Insurance Co /1/2018 Travelers Commercial Insurance Co Travelers Home & Marine Insurance Co United Services Automobile Association n/a = Carriers Unitrin Direct Property & Casualty Co that do not have Unitrin Safeguard Insurance Co rates Universal Property & Casualty Ins. Co available based USAA Casualty Insurance Co on the criteria USAA General Indemnity Co in the Vigilant Insurance Co scenario. Windsor Mt. Joy Mutual Insurance Co Certain companies may impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 48

50 Renters Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co Shore Allstate Insurance Co (w/o Cecil) American Bankers Insurance Co. of FL American Family Home Insurance Co American Modern Home Insurance Co American National Property & Casualty Co American Strategic Insurance Corp Amica Mutual Insurance Co Rates Brethren Mutual Insurance Co Effective Century National Insurance Co as of Chubb National Insurance Co /1/2018 Cincinnati Insurance Co CSAA Affinity Insurance Co Cumberland Mutual Fire Insurance Co n/a = Carriers Donegal Mutual Insurance Co that do not have Encompass Home/Auto Insurance Co rates Erie Insurance Co available based Everett Cash Mutual Insurance Co on the criteria Farmers Insurance Exchange in the Farmers Mutual Fire Ins. Co. of Salem Cnty scenario. Federal Insurance Co First American Property & Casualty Ins. Co Certain Frederick Mutual Insurance Co companies may Garrison Property & Casualty Ins. Co impose higher Hartford Fire Insurance Co and separate Homesite Insurance Co. of the Midwest wind/hail or Horace Mann Insurance Co hurricane IDS Property Casualty Ins. Co deductibles. Liberty Insurance Corp Please contact Lititz Mutual Insurance Co your agent or LM Insurance Corp company for Markel American Insurance Co

51 Renters Policy Scenario Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Meridian Security Insurance Co Shore Metropolitan Group Property and Casualty (w/o Cecil) Metropolitan Property and Casualty Ins Mutual Benefit Insurance Co Nationwide Insurance Co. of America NGM Insurance Co Peninsula Insurance Co Penn National Insurance Co Rates Pharmacists Mutual Insurance Co Effective Praetorian Insurance Co as of Privilege Underwriters Reciprocal Exch /1/2018 Progressive Specialty Insurance Co Safeco Insurance Co. of America Selective Ins. Co. of South Carolina n/a = Carriers State Farm Fire & Casualty Co that do not have Stillwater P & C Insurance Co rates Teachers Insurance Co available based Travelers Commercial Insurance Co on the criteria Travelers Home & Marine Insurance Co in the United Services Automobile Association scenario. Unitrin Direct Property & Casualty Co Unitrin Safeguard Insurance Co Certain Universal Property & Casualty Ins. Co companies may USAA Casualty Insurance Co impose higher USAA General Indemnity Co and separate Vigilant Insurance Co wind/hail or Windsor Mt. Joy Mutual Insurance Co hurricane deductibles. Please contact your agent or company for 50

52 Homeowners Insurance Company Phone Numbers and Websites Note: If there is no phone number shown for an insurance company, look in the Yellow Pages for an agent, agency or broker in 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 Allstate Insurance Co Allstate Vehicle & Property Insurance Co American Bankers Insurance Co. of FL American Family Home Insurance Co American Modern Home Insurance Co American National Property & Casualty Co American Security Insurance Co American Strategic Insurance Corp Amica Mutual Insurance Co Brethren Mutual Insurance Co Century National Insurance Co Chubb National Insurance Co Cincinnati Insurance Co. See Yellow Pages CSAA Affinity Insurance Co Cumberland Mutual Fire Insurance Co Donegal Mutual Insurance Co Encompass Home/Auto Insurance Co Erie Insurance Co Esurance Insurance Co. 800-ESURANCE Everett Cash Mutual Insurance Co Farmers Insurance Exchange Farmers Mutual Fire Ins. Co. of Salem Cnty Federal Insurance Co First American Property & Casualty Ins. Co Frederick Mutual Insurance Co Garrison Property & Casualty Ins. Co Hartford Fire Insurance Co Homesite Insurance Co Homesite Insurance Co. of the Midwest Horace Mann Insurance Co IDS Property Casualty Ins. Co Liberty Insurance Corp

53 Homeowners Insurance Company Phone Numbers and Websites Note: If there is no phone number shown for an insurance company, look in the Yellow Pages for an agent, agency or broker in 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. Lititz Mutual Insurance Co LM Insurance Corp Markel American Insurance Co n/a Meridian Security Insurance Co Metropolitan Group Property and Casualty Metropolitan Property and Casualty Ins Mutual Benefit Insurance Co Nationwide Insurance Co. of America NGM Insurance Co Peninsula Insurance Co Penn National Insurance Co Pharmacists Mutual Insurance Co Praetorian Insurance Co Privilege Underwriters Reciprocal Exch Progressive Specialty Insurance Co QBE Insurance Corp Safeco Insurance Co. of America Selective Ins. Co. of South Carolina Standard Guaranty Insurance Co State Farm Fire & Casualty Co. See Yellow Pages Stillwater P & C Insurance Co Teachers Insurance Co Travelers Commercial Insurance Co Travelers Home & Marine Insurance Co United Services Automobile Association Unitrin Direct Property & Casualty Co Unitrin Safeguard Insurance Co Universal North America Insurance Co Universal Property & Casualty Ins. Co USAA General Indemnity Co USAA Property & Casualty Insurance Co Vigilant Insurance Co Windsor Mt. Joy Mutual Insurance Co

54 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 Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations Agency Agency Insurance Co. Y Y Y AIG 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 Y Allstate Property & Casualty Insurance Co. Y Y Y Y Allstate Insurance Co. Y* *Renter/Condo Only Allstate Allstate Indemnity Co. Y Y Y Y Esurance Insurance Co. Y Esurance Property and Casualty Ins. Co. Y Y Allstate Vehicle & Property Insurance Co Y* *Home Policies Only Esurance Insurance Services, Inc. A A A A A A A AMICA Amica Mutual Insurance Co. Y Y Y Y Y* Y A Y Y *Snowmobiles only AMIG American Family Home Insurance Co. Y Y Y Y American Modern Home Insurance Co. Y Y Y Y Y *Renters and Condos only Assurant American Bankers Insurance Co. of FL Y* Y** Y** Y** **See Company for Limitations American Security Insurance Co. Y Standard Guaranty Insurance Co. Y Brethren Mutual Brethren Mutual Insurance Co. Y Y Y Y Y Chubb National Insurance Co. Y Y Y Y Y Y Chubb / ACE Federal Insurance Co. Y Y* Y* *Moored in the Continental US Vigilant Insurance Co. Y Cincinnati Cincinnati Insurance Co. Y Y Y* Y* Y* Y Y Y* Y* *Requires Auto Policy CSAA Cumberland CSAA Affinity Insurance Co. Y CSAA General Insurance Co. Y Y Cumberland Insurance Co. Inc. Y Cumberland Mutual Fire Insurance Co. Y Donegal Mutual Insurance Co. Y Y Y Y Y Y Donegal Peninsula Insurance Co. Y Y Y Y Atlantic States Insurance Co. Y 53

55 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 Elephant Elephant Insurance Co. Y Motorcycle and Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations Erie Erie Insurance Co. Y Y Y Y Y Y Y Y Erie Insurance Exchange Y Y Y Y Y Y Everett Cash Everett Cash Mutual Insurance Co. Y Farmers Foremost Insurance Co. A Y Y Y Y Y Y A Y Farmers Insurance Exchange Y Y Farmers Mut of Salem Farmers Mutual Fire Ins. Co. of Salem Cnty. Y Y* *Requires Homeowners Policy Fidelity National Stillwater P & C Insurance Co. Y First American First American Property & Casualty Ins. Co. Y *Renters only Frederick Mutual Frederick Mutual Insurance Co. Y GEICO GEICO Indemnity Co. Y Y GIECO Casualty Co. Y Y Global Indemnity American Reliable Insurance Co. Y Y Hartford Homesite Hartford Fire Insurance Co. Y Hartford Casualty Insurance Co. Y Y Y Y Y Homesite Insurance Co. of the Midwest Y* *Renters only Homesite Insurance Company Y* *Home Policies only Horace Mann Insurance Co. Y Y Y Horace Mann Teachers Insurance Co. Y Y Y Horace Mann Property & Casualty Ins. Co. Y IDS IDS Property Casualty Ins. Co. Y Y Ironshore Indemnity Inc. Y Safeco Insurance Co. of America Y Y Y Liberty Mutual LM Insurance Corp. Y Y Y Y Y Y Y LM General Insurance Co. Y Y Y Y American States Preferred Insurance Co. Y Y Y Liberty Insurance Corp. Y Y Y Lititz Mutual Lititz Mutual Insurance Co. Y 54

56 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 Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations MAIF Maryland Auto Insurance Fund Y Y Y Markel Markel American Insurance Co. Y* Y Y Y Y *Renters Only Essentia Insurance Co. Y Metropolitan Direct Property and Casualty Y Y Y MetLife Metropolitan Property and Casualty Ins. Y Y Y Y Metropolitan Group Property and Casualty Y Y Y Y Y Y Metropolitan Casualty Insurance Co. Y Y Y Y Y MSA Group NGM Insurance Company Y Y* *Requires Homeowners Policy Old Dominion Insurance Company Y Y* Y* Y *Requires Auto Policy Mutual Benefit Mutual Benefit Insurance Co. Y Y Amco Insurance Co. Y Y Y Y Y Nationwide Nationwide Insurance Co. of America Y Y Y Y Nationwide Property & Casualty Co. Y Y Y Allied Property & Casualty Insurance Co. Y Y Integon Indemnity Corporation Y NGAC National General Insurance Co. Y Century National Insurance Co. Y National General Assurance Co. Y Y Paramount Paramount Insurance Co. Y Penn National Penn National Insurance Co. Y Y Y Y* Y *Requires Auto Policy Pharmacist Mutual Pharmacists Mutual Insurance Co. Y Y Y Y Y Y Progressive Select Insurance Co. Y Progressive American Strategic Insurance Corp. Y Progressive Casualty Insurance Co. Y Y Y Y Y Progressive Specialty Insurance Co. Y* Y *Renters only PURE Privilege Underwriters Reciprocal Exch. Y Y Y Y Y Y Y Y QBE Group Praetorian Insurance Co. Y QBE Insurance Co. Y Rider Insurance Co. Rider Insurance Co. Y Y Selective Selective Ins. Co. of South Carolina Y Y Y* Y* Y* *Requires Homeowners Policy Sentry Dairyland Insurance Co. Y State Auto Meridian Security Insurance Co. Y Y Y Y Y Y Y Y Y State Farm State Farm Fire & Casualty Co. Y Y Y Y Y Y Y State Farm Mutual Automobile Ins. Co. Y Y Y Y Y 55

57 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 Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations Tokio Marine Philadelphia Indemnity Insurance Co. Y Travelers Home & Marine Insurance Co. Y Y Y Travelers Travelers Commercial Insurance Co. Y Y Y Travelers Property Casualty Insurance Co. Y Y Y Y Y Y United Farm Family American National Property & Casualty Co. Y Y Y Y* Y Y Y Y* Y *Requires Auto Policy Unitrin Direct Property & Casualty Co. Y Unitrin Unitrin Safeguard Insurance Co. Y Y Y Y Y Y Y Response Insurance Co. Y Universal Co. Grp. Universal North America Insurance Co. Y* *Home Policies only Universal Holdings Universal Property & Casualty Ins. Co. Y USAA General Indemnity Co. Y Y A A A A A Y USAA Garrison Property & Casualty Insurance Co. Y Y A A A A A Y United Services Automobile Association Y Y A A A A A Y USAA Casualty Insurance Co. Y Y A A A A A Y Windsor Mt. Joy Windsor Mt. Joy Mutual Insurance Co. Y Y Y 56

58 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, 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. Rapid Response Program The 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 companies in an effort to help address problems directly and quickly. For more information about this program, contact us at or ext Participation in the Rapid Response Program is voluntary and does not affect your right to file a formal complaint. Important Contact Information for Homeowners Insurance: General Information or TTY miaweb@maryland.gov Website: Complaints Fax: (or 2334) 57

59 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 Public Affairs at the address listed below. 200 St. Paul Place, Suite 2700 Baltimore, MD TTY MIA-HO-2