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

As of August 2018 i

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 57 15 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

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, www.insurance.maryland.gov, 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, www.insurance.maryland.gov, or it may be requested by calling the MIA at 410-468-2000 or 800-492-6116. 2

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

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

Homeowners Policy Scenario 1 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible, water & sewer endorsement, $100,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only. County/City Town/City Zip Code Home Value Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $100,000 Frame 5 $500 45 $10,000 No $100,000 Anne Arundel Annapolis 21401 $320,000 Frame 5 $500 35 $10,000 No $100,000 Baltimore Owings Mills 21117 $220,000 Frame 5 $500 55 $10,000 No $100,000 Baltimore City Waverly 21218 $110,000 Frame 1 $500 75 $10,000 No $100,000 Calvert Prince Frederick 20678 $350,000 Frame 5 $500 35 $10,000 No $100,000 Caroline Denton 21629 $180,000 Frame 5 $500 35 $10,000 No $100,000 Carroll Carrollton 21157 $300,000 Frame 5 $500 45 $10,000 No $100,000 Cecil Elkton 21921 $210,000 Frame 5 $500 35 $10,000 No $100,000 Charles Waldorf 20603 $310,000 Frame 5 $500 35 $10,000 No $100,000 Dorchester Cambridge 21613 $160,000 Frame 5 $500 75 $10,000 No $100,000 Frederick Frederick 21701 $300,000 Frame 5 $500 35 $10,000 No $100,000 Garrett Oakland 21550 $120,000 Frame 5 $500 35 $10,000 No $100,000 Harford Bel Air 21014 $250,000 Frame 5 $500 35 $10,000 No $100,000 Howard Columbia 21044 $410,000 Frame 5 $500 35 $10,000 No $100,000 Kent Chestertown 21620 $240,000 Frame 5 $500 35 $10,000 No $100,000 Montgomery Colesville 20904 $440,000 Frame 5 $500 45 $10,000 No $100,000 Prince George's Fort Washington 20744 $280,000 Frame 5 $500 45 $10,000 No $100,000 Queen Anne's Centreville 21617 $330,000 Frame 5 $500 45 $10,000 No $100,000 Somerset Princess Anne 21853 $110,000 Frame 5 $500 75 $10,000 No $100,000 St. Mary's Leonardtown 20650 $280,000 Frame 5 $500 35 $10,000 No $100,000 Talbot Easton 21601 $310,000 Frame 5 $500 75 $10,000 No $100,000 Washington Hagerstown 21740 $190,000 Frame 5 $500 75 $10,000 No $100,000 Wicomico Salisbury 21804 $150,000 Frame 5 $500 35 $10,000 No $100,000 Worcester Berlin 21811 $240,000 Frame 5 $500 45 $10,000 No $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov 5

Homeowners Policy Scenario 2 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible, water & sewer endorsement, $100,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only. County/City Town/City Zip Code Home Value Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $120,000 Frame 5 $500 35 $15,000 Yes $100,000 Anne Arundel Annapolis 21401 $370,000 Frame 5 $500 25 $15,000 Yes $100,000 Baltimore Owings Mills 21117 $270,000 Frame 5 $500 45 $15,000 Yes $100,000 Baltimore City Waverly 21218 $160,000 Frame 1 $500 65 $15,000 Yes $100,000 Calvert Prince Frederick 20678 $390,000 Frame 5 $500 25 $15,000 Yes $100,000 Caroline Denton 21629 $230,000 Frame 5 $500 25 $15,000 Yes $100,000 Carroll Carrollton 21157 $350,000 Frame 5 $500 35 $15,000 Yes $100,000 Cecil Elkton 21921 $260,000 Frame 5 $500 25 $15,000 Yes $100,000 Charles Waldorf 20603 $360,000 Frame 5 $500 25 $15,000 Yes $100,000 Dorchester Cambridge 21613 $210,000 Frame 5 $500 65 $15,000 Yes $100,000 Frederick Frederick 21701 $350,000 Frame 5 $500 25 $15,000 Yes $100,000 Garrett Oakland 21550 $170,000 Frame 5 $500 25 $15,000 Yes $100,000 Harford Bel Air 21014 $300,000 Frame 5 $500 25 $15,000 Yes $100,000 Howard Columbia 21044 $460,000 Frame 5 $500 25 $15,000 Yes $100,000 Kent Chestertown 21620 $280,000 Frame 5 $500 25 $15,000 Yes $100,000 Montgomery Colesville 20904 $480,000 Frame 5 $500 35 $15,000 Yes $100,000 Prince George's Fort Washington 20744 $330,000 Frame 5 $500 35 $15,000 Yes $100,000 Queen Anne's Centreville 21617 $380,000 Frame 5 $500 35 $15,000 Yes $100,000 Somerset Princess Anne 21853 $160,000 Frame 5 $500 65 $15,000 Yes $100,000 St. Mary's Leonardtown 20650 $330,000 Frame 5 $500 25 $15,000 Yes $100,000 Talbot Easton 21601 $350,000 Frame 5 $500 65 $15,000 Yes $100,000 Washington Hagerstown 21740 $240,000 Frame 5 $500 65 $15,000 Yes $100,000 Wicomico Salisbury 21804 $200,000 Frame 5 $500 25 $15,000 Yes $100,000 Worcester Berlin 21811 $290,000 Frame 5 $500 35 $15,000 Yes $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov 6

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 21502 $170,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Anne Arundel Annapolis 21401 $420,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Baltimore Owings Mills 21117 $320,000 Masonry 5 $1,000 35 $75,000 Yes $300,000 Baltimore City Waverly 21218 $210,000 Masonry 1 $1,000 55 $75,000 Yes $300,000 Calvert Prince Frederick 20678 $440,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Caroline Denton 21629 $280,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Carroll Carrollton 21157 $400,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Cecil Elkton 21921 $310,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Charles Waldorf 20603 $410,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Dorchester Cambridge 21613 $260,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 Frederick Frederick 21701 $400,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Garrett Oakland 21550 $220,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Harford Bel Air 21014 $350,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Howard Columbia 21044 $510,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Kent Chestertown 21620 $330,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Montgomery Colesville 20904 $530,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Prince George's Fort Washington 20744 $380,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Queen Anne's Centreville 21617 $430,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Somerset Princess Anne 21853 $210,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 St. Mary's Leonardtown 20650 $380,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Talbot Easton 21601 $400,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 Washington Hagerstown 21740 $290,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 Wicomico Salisbury 21804 $250,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Worcester Berlin 21811 $340,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov 7

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 21502 $220,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Anne Arundel Annapolis 21401 $470,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Baltimore Owings Mills 21117 $370,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Baltimore City Waverly 21218 $260,000 Frame 1 $1,000 15 $20,000 Yes $300,000 Calvert Prince Frederick 20678 $490,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Caroline Denton 21629 $330,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Carroll Carrollton 21157 $450,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Cecil Elkton 21921 $360,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Charles Waldorf 20603 $460,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Dorchester Cambridge 21613 $310,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Frederick Frederick 21701 $450,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Garrett Oakland 21550 $270,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Harford Bel Air 21014 $400,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Howard Columbia 21044 $560,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Kent Chestertown 21620 $380,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Montgomery Colesville 20904 $580,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Prince George's Fort Washington 20744 $430,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Queen Anne's Centreville 21617 $480,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Somerset Princess Anne 21853 $260,000 Frame 5 $1,000 15 $20,000 Yes $300,000 St. Mary's Leonardtown 20650 $430,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Talbot Easton 21601 $450,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Washington Hagerstown 21740 $340,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Wicomico Salisbury 21804 $300,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Worcester Berlin 21811 $390,000 Frame 5 $1,000 15 $20,000 Yes $300,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov 8

Condominium Policy Scenario 5 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible, water & sewer endorsement, and assume a Loss Assessment of $5000. Note: ZIP codes are for sampling purposes only. County/City Town/City Zip Code Coverage C Amount Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Anne Arundel Annapolis 21401 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Baltimore Owings Mills 21117 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Baltimore City Waverly 21218 $100,000 Frame 1 $500 15 $20,000 Yes $300,000 Calvert Prince Frederick 20678 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Caroline Denton 21629 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Carroll Carrollton 21157 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Cecil Elkton 21921 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Charles Waldorf 20603 $100,000 Frame 5 $500 15 $20,000 Yes $300,000 Dorchester Cambridge 21613 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Frederick Frederick 21701 $100,000 Frame 5 $500 15 $20,000 Yes $300,000 Garrett Oakland 21550 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Harford Bel Air 21014 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Howard Columbia 21044 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Kent Chestertown 21620 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Montgomery Colesville 20904 $125,000 Frame 5 $500 15 $20,000 Yes $300,000 Prince George's Fort Washington 20744 $100,000 Frame 5 $500 15 $20,000 Yes $300,000 Queen Anne's Centreville 21617 $50,000 Frame 5 $500 15 $20,000 Yes $100,000 Somerset Princess Anne 21853 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 St. Mary's Leonardtown 20650 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Talbot Easton 21601 $50,000 Frame 5 $500 15 $20,000 Yes $100,000 Washington Hagerstown 21740 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Wicomico Salisbury 21804 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Worcester Berlin 21811 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov 9

Renters Policy Scenario 6 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible. Note: ZIP codes are for sampling purposes only. County/City Town/City Zip Code Coverage C Amount Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $50,000 Frame 5 $500 n/a n/a No $100,000 Anne Arundel Annapolis 21401 $50,000 Frame 5 $500 n/a n/a No $100,000 Baltimore Owings Mills 21117 $50,000 Frame 5 $500 n/a n/a No $100,000 Baltimore City Waverly 21218 $50,000 Frame 1 $500 n/a n/a No $100,000 Calvert Prince Frederick 20678 $50,000 Frame 5 $500 n/a n/a No $100,000 Caroline Denton 21629 $50,000 Frame 5 $500 n/a n/a No $100,000 Carroll Carrollton 21157 $50,000 Frame 5 $500 n/a n/a No $100,000 Cecil Elkton 21921 $50,000 Frame 5 $500 n/a n/a No $100,000 Charles Waldorf 20603 $75,000 Frame 5 $500 n/a n/a No $300,000 Dorchester Cambridge 21613 $75,000 Frame 5 $500 n/a n/a No $300,000 Frederick Frederick 21701 $75,000 Frame 5 $500 n/a n/a No $300,000 Garrett Oakland 21550 $75,000 Frame 5 $500 n/a n/a No $300,000 Harford Bel Air 21014 $75,000 Frame 5 $500 n/a n/a No $300,000 Howard Columbia 21044 $75,000 Frame 5 $500 n/a n/a No $300,000 Kent Chestertown 21620 $75,000 Frame 5 $500 n/a n/a No $300,000 Montgomery Colesville 20904 $75,000 Frame 5 $500 n/a n/a No $300,000 Prince George's Fort Washington 20744 $75,000 Frame 5 $500 n/a n/a No $300,000 Queen Anne's Centreville 21617 $50,000 Frame 5 $500 n/a n/a No $100,000 Somerset Princess Anne 21853 $50,000 Frame 5 $500 n/a n/a No $100,000 St. Mary's Leonardtown 20650 $50,000 Frame 5 $500 n/a n/a No $100,000 Talbot Easton 21601 $50,000 Frame 5 $500 n/a n/a No $100,000 Washington Hagerstown 21740 $50,000 Frame 5 $500 n/a n/a No $100,000 Wicomico Salisbury 21804 $50,000 Frame 5 $500 n/a n/a No $100,000 Worcester Berlin 21811 $50,000 Frame 5 $500 n/a n/a No $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov 10

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

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

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 www.floodsmart.gov. 13

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

Homeowners Policy Scenario 1 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co. 451 527 761 1254 832 1415 1263 1147 Maryland, Allstate Vehicle & Property Insurance Co. 701 732 833 1653 1746 1675 1443 1417 Washington D.C. American National Property & Casualty Co. 632 804 699 1302 1356 1515 1219 1442 Suburbs, and American Security Insurance Co. 934 1095 1670 3707 2368 2896 2866 2687 Southern American Strategic Insurance Corp. 649 7125 852 1299 1344 1699 1279 1508 Maryland Amica Mutual Insurance Co. 850 866 994 1758 1707 1787 1569 1427 Brethren Mutual Insurance Co. n/a n/a 446 951 955 968 806 758 Chubb National Insurance Co. 497 588 986 1998 1378 1967 1758 1601 Rates Cincinnati Insurance Co. 604 733 919 2162 1524 1931 1577 1274 Effective CSAA Affinity Insurance Co. 565 676 1018 1661 1585 1735 1560 1428 as of Cumberland Mutual Fire Insurance Co. n/a n/a 499 1229 1324 1496 1239 1184 8/1/2018 Donegal Mutual Insurance Co. 539 627 848 1476 1286 1636 1655 1320 Encompass Home/Auto Insurance Co. n/a n/a n/a 2103 1491 2290 1716 1679 Erie Insurance Co. 577 809 877 2096 1613 2129 1678 1425 n/a = Carriers Esurance Insurance Co. 660 684 737 1285 1192 n/a 1372 n/a that do not have Everett Cash Mutual Insurance Co. 525 586 855 1832 1206 1480 1324 1206 rates Farmers Insurance Exchange 669 699 679 1035 1222 1301 935 1055 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 626 718 648 1257 1251 1232 1127 999 on the criteria Federal Insurance Co. 602 711 1202 2629 1806 2412 2156 1964 in the Frederick Mutual Insurance Co. 400 417 603 1133 963 925 898 829 scenario. Garrison Property & Casualty Ins. Co. 899 995 1127 1956 1885 2019 1775 1717 Hartford Fire Insurance Co. 1054 1483 1389 2014 2357 2210 2203 1969 Certain Homesite Insurance Co. 661 742 877 1482 1259 1645 1341 1646 companies may Horace Mann Insurance Co. 639 673 891 1557 1406 1564 1405 1285 impose higher IDS Property Casualty Ins. Co. 629 705 877 1614 964 1979 1036 1448 and separate Liberty Insurance Corp. 766 830 802 1303 1088 1326 1181 1232 wind/hail or Lititz Mutual Insurance Co. 454 486 676 1269 1501 1587 1426 1292 hurricane LM Insurance Corp. 806 873 842 1369 1141 1396 1240 1299 deductibles. Meridian Security Insurance Co. 863 1006 995 2264 1972 1749 1612 1686 Please contact Metropolitan Group Property and Casualty 704 796 1127 1895 2132 2133 1897 1740 your agent or Metropolitan Property and Casualty Ins. 624 697 990 2188 1972 2493 2214 2015 company for Mutual Benefit Insurance Co. 652 714 869 2286 1699 1616 1475 1366 15

Homeowners Policy Scenario 1 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America 939 1014 1416 1833 2174 2146 1744 2012 Maryland, NGM Insurance Co. 354 394 585 1353 1069 1157 1023 923 Washington D.C. Peninsula Insurance Co. 323 373 970 1352 1191 1310 1158 1047 Suburbs, and Penn National Insurance Co. 511 525 781 1442 1360 1186 1099 1025 Southern Pharmacists Mutual Insurance Co. 479 534 747 1216 1351 1420 1228 1169 Maryland Praetorian Insurance Co. 542 640 n/a 1463 1597 1520 1390 1292 Privilege Underwriters Reciprocal Exch. 2780 2981 3689 1838 1511 1907 1876 1851 QBE Insurance Corp. 804 881 918 1957 2128 2200 1645 1629 Rates Safeco Insurance Co. of America 597 597 554 544 734 654 654 656 Effective Selective Ins. Co. of South Carolina 651 716 1068 1911 2043 2008 1859 1696 as of Standard Guaranty Insurance Co. 984 1176 1847 4530 2892 3381 3487 3152 8/1/2018 State Farm Fire & Casualty Co. 822 966 1165 2203 1797 2203 1852 1751 Stillwater P & C Insurance Co. 642 717 1027 1594 2190 1356 1381 1215 Teachers Insurance Co. 507 533 701 1334 1244 1238 1113 1020 n/a = Carriers Travelers Commercial Insurance Co. 559 666 616 1158 1471 1380 1061 1214 that do not have Travelers Home & Marine Insurance Co. 571 681 630 1186 1507 1413 1086 1243 rates United Services Automobile Association 913 1006 1141 1963 1907 2042 1784 1740 available based Unitrin Direct Property & Casualty Co. 800 925 965 1751 1782 1843 1433 1343 on the criteria Unitrin Safeguard Insurance Co. 595 697 781 1386 1215 1077 1145 997 in the Universal North America Insurance Co. 625 676 857 1577 1532 1250 1548 1294 scenario. Universal Property & Casualty Ins. Co. 551 555 824 1747 1866 1517 1350 1248 USAA Casualty Insurance Co. 838 921 1058 1813 1741 1885 1642 1610 Certain USAA General Indemnity Co. 992 1091 1227 2089 2053 2146 1900 1812 companies may Vigilant Insurance Co. 548 647 1086 2142 1470 2173 1942 1769 impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 16

Homeowners Policy Scenario 2 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co. 505 683 900 1314 924 1517 1391 1278 Maryland, Allstate Vehicle & Property Insurance Co. 591 646 777 1530 1743 1549 1354 1395 Washington D.C. American National Property & Casualty Co. 644 830 880 1498 1625 1767 1490 1706 Suburbs, and American Security Insurance Co. 1089 1354 2104 4042 2786 2860 2946 2734 Southern American Strategic Insurance Corp. 710 805 980 1422 1549 1768 1378 1640 Maryland Amica Mutual Insurance Co. 698 812 932 1469 1543 1586 1472 1344 Brethren Mutual Insurance Co. n/a 307 487 940 1051 982 856 778 Chubb National Insurance Co. 508 698 1055 1862 1364 1852 1723 1592 Rates Cincinnati Insurance Co. 556 776 897 1890 1428 1718 1458 1195 Effective CSAA Affinity Insurance Co. 577 756 966 1540 1516 1630 1514 1402 as of Cumberland Mutual Fire Insurance Co. n/a 424 543 1179 1375 1477 1271 1245 8/1/2018 Donegal Mutual Insurance Co. 509 713 757 1330 1220 1460 1351 1253 Encompass Home/Auto Insurance Co. n/a n/a 916 2250 1801 2472 1972 2016 Erie Insurance Co. 419 706 725 1506 1253 1539 1269 1100 n/a = Carriers Esurance Insurance Co. 569 599 698 1261 1219 n/a 1308 n/a that do not have Everett Cash Mutual Insurance Co. 504 660 903 1709 1204 1406 1305 1202 rates Farmers Insurance Exchange 541 603 594 864 1004 1075 793 861 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 590 793 731 1257 1310 1240 1170 1047 on the criteria Federal Insurance Co. 614 849 1289 2448 1789 2268 2111 1951 in the Frederick Mutual Insurance Co. 410 508 704 1185 1037 976 964 895 scenario. Garrison Property & Casualty Ins. Co. 896 1078 1179 1899 1912 1950 1771 1726 Hartford Fire Insurance Co. 957 1324 1296 1784 2131 1795 1873 1677 Certain Homesite Insurance Co. 639 801 901 1413 1257 1577 1324 1635 companies may Horace Mann Insurance Co. 582 686 879 1443 1392 1476 1374 1272 impose higher IDS Property Casualty Ins. Co. 631 781 948 1654 1052 2049 1088 1586 and separate Liberty Insurance Corp. 719 815 782 1229 1045 1266 1149 1195 wind/hail or Lititz Mutual Insurance Co. 501 638 787 1349 1772 1724 1640 1524 hurricane LM Insurance Corp. 754 864 823 1291 1096 1330 1207 1258 deductibles. Meridian Security Insurance Co. 852 1110 1046 2149 1978 1716 1651 1744 Please contact Metropolitan Group Property and Casualty 702 900 1163 1763 2127 2027 1886 1738 your agent or Metropolitan Property and Casualty Ins. 596 744 1000 1973 1916 2230 2068 1903 company for Mutual Benefit Insurance Co. 617 806 882 2005 1570 1501 1413 1324 17

Homeowners Policy Scenario 2 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America 803 958 1308 1585 1939 1852 1518 1852 Maryland, NGM Insurance Co. 335 451 604 1255 1075 1098 1012 927 Washington D.C. Peninsula Insurance Co. 336 458 965 1324 1265 1195 1105 1014 Suburbs, and Penn National Insurance Co. 480 563 755 1230 1213 1072 1010 954 Southern Pharmacists Mutual Insurance Co. 506 634 820 1171 1378 1380 1242 1198 Maryland Praetorian Insurance Co. 608 741 n/a 1490 1708 1412 1329 1246 Privilege Underwriters Reciprocal Exch. 2431 2936 3307 1675 1239 1556 1538 1518 QBE Insurance Corp. 766 814 951 1853 2115 1852 1435 1430 Rates Safeco Insurance Co. of America 456 456 424 416 556 497 497 497 Effective Selective Ins. Co. of South Carolina 569 703 962 1562 1782 1727 1649 1518 as of Standard Guaranty Insurance Co. 1176 1655 2326 4940 3404 2764 4046 3711 8/1/2018 State Farm Fire & Casualty Co. 623 808 926 1592 1322 1636 1390 1336 Stillwater P & C Insurance Co. 690 873 1264 1634 2227 1504 1479 1313 Teachers Insurance Co. 464 543 692 1237 1232 1169 1089 1010 n/a = Carriers Travelers Commercial Insurance Co. 454 623 540 1007 1181 1147 937 1080 that do not have Travelers Home & Marine Insurance Co. 463 637 552 1030 1209 1175 959 1106 rates United Services Automobile Association 907 1086 1192 1903 1930 1970 1777 1747 available based Unitrin Direct Property & Casualty Co. 710 888 975 1654 1740 1711 1383 1319 on the criteria Unitrin Safeguard Insurance Co. 607 687 761 1333 1213 1020 1113 969 in the Universal North America Insurance Co. 665 813 953 1612 1631 1311 1655 1386 scenario. Universal Property & Casualty Ins. Co. 555 692 985 1702 1977 1673 1551 1447 USAA Casualty Insurance Co. 834 997 1106 1758 1763 1821 1637 1620 Certain USAA General Indemnity Co. 984 1175 1279 2025 2076 2064 1888 1811 companies may Vigilant Insurance Co. 559 770 1164 1994 1456 2045 1902 1758 impose higher Windsor Mt. Joy Mutual Insurance Co. 460 602 839 1607 1211 1417 1314 1211 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 18

Homeowners Policy Scenario 3 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co. 605 746 938 1267 879 1498 1381 1265 Maryland, Allstate Vehicle & Property Insurance Co. 631 634 869 1537 1809 1201 1075 1306 Washington D.C. American National Property & Casualty Co. 689 892 977 1575 1750 1754 1490 1741 Suburbs, and American Security Insurance Co. 1298 1660 2298 3752 2701 3063 3186 2955 Southern American Strategic Insurance Corp. 688 748 920 1330 1467 1531 1210 1444 Maryland Amica Mutual Insurance Co. 773 890 973 1456 1633 1651 1546 1437 Brethren Mutual Insurance Co. 265 296 486 857 983 962 810 784 Chubb National Insurance Co. 669 830 1078 1810 1391 1888 1768 1652 Rates Cincinnati Insurance Co. 676 877 958 1815 1445 1691 1461 1222 Effective CSAA Affinity Insurance Co. 607 687 906 1373 1333 1425 1332 1243 as of Cumberland Mutual Fire Insurance Co. 424 492 608 1158 1365 1464 1269 1275 8/1/2018 Donegal Mutual Insurance Co. 668 709 793 1337 1258 1449 1337 1194 Encompass Home/Auto Insurance Co. n/a 750 856 1897 1723 2265 1848 1889 Erie Insurance Co. 554 821 879 1689 1463 1575 1385 1188 n/a = Carriers Esurance Insurance Co. 612 597 797 1300 1353 n/a 1273 n/a that do not have Everett Cash Mutual Insurance Co. 622 783 997 1740 1276 1462 1368 1272 rates Farmers Insurance Exchange 633 662 686 1034 1198 1235 919 1007 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 612 840 733 1217 1283 1222 1150 1026 on the criteria Federal Insurance Co. 797 995 1300 2354 1800 2300 2149 2008 in the Frederick Mutual Insurance Co. 528 625 785 1212 1085 1073 1055 980 scenario. Garrison Property & Casualty Ins. Co. 945 1052 1211 1808 1859 1781 1630 1598 Hartford Fire Insurance Co. 1056 1261 1388 1796 2096 1610 1681 1542 Certain Homesite Insurance Co. 689 780 899 1312 1239 1404 1192 1502 companies may Horace Mann Insurance Co. 633 694 932 1416 1408 1367 1284 1202 impose higher IDS Property Casualty Ins. Co. 659 795 1010 1739 1102 2170 1102 1690 and separate Liberty Insurance Corp. 787 888 859 1422 1212 1420 1284 1331 wind/hail or Lititz Mutual Insurance Co. 621 715 872 1288 1760 1649 1588 1527 hurricane LM Insurance Corp. 828 929 905 1498 1284 1497 1354 1401 deductibles. Meridian Security Insurance Co. 996 1232 1187 2252 2129 1676 1669 1687 Please contact Metropolitan Group Property and Casualty 778 918 1121 1532 1903 1775 1681 1580 your agent or Metropolitan Property and Casualty Ins. 695 805 1037 1825 1838 2094 1958 1817 company for Mutual Benefit Insurance Co. 713 846 860 1805 1434 1362 1291 1223 19

Homeowners Policy Scenario 3 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America 926 1007 1369 1596 1996 1701 1518 1716 Maryland, NGM Insurance Co. 339 419 538 1013 907 907 846 785 Washington D.C. Peninsula Insurance Co. 453 503 999 1195 1191 1151 1078 1006 Suburbs, and Penn National Insurance Co. 489 572 716 1152 1156 1015 965 906 Southern Pharmacists Mutual Insurance Co. 1030 1139 1291 1558 1792 1774 1655 1626 Maryland Praetorian Insurance Co. 659 788 n/a 1280 1502 1377 1304 1232 Privilege Underwriters Reciprocal Exch. 2066 2274 2362 1322 940 1339 1203 1149 QBE Insurance Corp. 880 934 1157 1753 1989 1818 1455 1458 Rates Safeco Insurance Co. of America 871 867 810 816 1067 913 913 944 Effective Selective Ins. Co. of South Carolina 660 749 1009 1519 1748 1644 1589 1474 as of Standard Guaranty Insurance Co. 1515 1953 2566 4985 3581 3881 4210 3904 8/1/2018 State Farm Fire & Casualty Co. 703 857 939 1576 1325 1580 1350 1282 Stillwater P & C Insurance Co. 780 968 1290 1573 2126 1463 1451 1271 Teachers Insurance Co. 511 558 741 1219 1251 1092 1027 963 n/a = Carriers Travelers Commercial Insurance Co. 617 851 638 1302 1407 1281 1100 1193 that do not have Travelers Home & Marine Insurance Co. 630 871 653 1333 1441 1312 1126 1222 rates United Services Automobile Association 955 1058 1222 1811 1875 1798 1634 1616 available based Unitrin Direct Property & Casualty Co. 796 984 1043 1749 1865 1805 1467 1390 on the criteria Unitrin Safeguard Insurance Co. 632 687 758 1330 1167 983 1065 903 in the Universal North America Insurance Co. 696 761 904 1493 1539 1172 1486 1250 scenario. Universal Property & Casualty Ins. Co. 618 738 1011 1644 2004 1639 1530 1446 USAA Casualty Insurance Co. 880 975 1135 1673 1714 1664 1509 1501 Certain USAA General Indemnity Co. 1035 1142 1315 1928 2018 1882 1735 1674 companies may Vigilant Insurance Co. 730 908 1181 1933 1480 2079 1942 1815 impose higher Windsor Mt. Joy Mutual Insurance Co. 533 661 865 1511 1189 1363 1275 1189 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 20

Homeowners Policy Scenario 4 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co. 782 897 1118 1408 1051 1695 1578 1461 Maryland, Allstate Vehicle & Property Insurance Co. 636 676 862 1202 1480 1299 1109 1217 Washington D.C. American National Property & Casualty Co. 824 927 1105 1701 1871 1633 1483 1794 Suburbs, and American Security Insurance Co. 1613 1932 2376 4101 3053 3406 3569 3771 Southern American Strategic Insurance Corp. 802 814 1012 1460 1604 1571 1246 1498 Maryland Amica Mutual Insurance Co. 891 1042 1106 1667 1891 1869 1758 1650 Brethren Mutual Insurance Co. 406 473 677 1109 1353 1212 1078 1002 Chubb National Insurance Co. 866 1021 1287 2060 1629 2174 2046 1919 Rates Cincinnati Insurance Co. 868 946 1204 2180 1772 1732 1496 1256 Effective CSAA Affinity Insurance Co. 779 851 1094 1692 1701 1708 1606 1505 as of Cumberland Mutual Fire Insurance Co. 495 548 735 1362 1738 1653 1443 1459 8/1/2018 Donegal Mutual Insurance Co. 701 704 796 1367 1383 1572 1551 1312 Encompass Home/Auto Insurance Co. 823 961 1177 2147 2189 3043 2296 2495 Erie Insurance Co. 645 927 962 1739 1589 1694 1468 1285 n/a = Carriers Esurance Insurance Co. 607 619 835 1272 1384 n/a 1303 n/a that do not have Everett Cash Mutual Insurance Co. 867 1036 1274 2101 1587 1793 1689 1579 rates Farmers Insurance Exchange 604 583 665 979 1172 1049 791 856 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 751 966 848 1381 1498 1346 1273 1140 on the criteria Federal Insurance Co. 1041 1233 1561 2686 2116 2654 2496 2339 in the Frederick Mutual Insurance Co. 638 703 834 1413 1311 1214 1207 1120 scenario. Garrison Property & Casualty Ins. Co. 1048 1097 1267 1863 1939 1777 1632 1615 Hartford Fire Insurance Co. 999 1228 1134 1554 1824 1515 1578 1485 Certain Homesite Insurance Co. 713 794 861 1271 1238 1323 1155 1401 companies may Horace Mann Insurance Co. 777 835 1090 1615 1656 1574 1487 1401 impose higher IDS Property Casualty Ins. Co. 738 721 1146 1800 1190 1746 976 1377 and separate Liberty Insurance Corp. 831 939 894 1446 1217 1468 1334 1398 wind/hail or Lititz Mutual Insurance Co. 690 735 983 1358 1917 1616 1557 1500 hurricane LM Insurance Corp. 880 989 942 1522 1278 1550 1407 1472 deductibles. Meridian Security Insurance Co. 1088 1270 1291 2319 2263 1693 1651 1752 Please contact Metropolitan Group Property and Casualty 925 1084 1320 1737 2242 2057 1948 1842 your agent or Metropolitan Property and Casualty Ins. 802 915 1154 2079 2141 2458 2299 2150 company for Mutual Benefit Insurance Co. 862 909 934 2195 1665 1431 1360 1289 21

Homeowners Policy Scenario 4 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Nationwide Insurance Co. of America 1048 1025 1439 1660 2105 1654 1432 1636 Maryland, NGM Insurance Co. 512 614 772 1362 1261 1241 1165 1089 Washington D.C. Peninsula Insurance Co. 458 475 796 1194 1230 1166 1097 1029 Suburbs, and Penn National Insurance Co. 621 628 822 1334 1374 1063 1018 965 Southern Pharmacists Mutual Insurance Co. 756 857 1047 1320 1645 1563 1426 1401 Maryland Praetorian Insurance Co. 788 879 943 1377 1652 1460 1388 1318 Privilege Underwriters Reciprocal Exch. 2768 2572 2944 1565 1239 1691 1544 1398 QBE Insurance Corp. 808 892 975 1659 1950 1842 1447 1456 Rates Safeco Insurance Co. of America 935 839 864 871 1108 889 889 889 Effective Selective Ins. Co. of South Carolina 773 869 1125 1705 2073 1861 1800 1679 as of Standard Guaranty Insurance Co. 1953 2391 3005 5453 4049 4319 4721 4415 8/1/2018 State Farm Fire & Casualty Co. 892 968 1110 1843 1583 1746 1502 1422 Stillwater P & C Insurance Co. 902 1000 1244 1701 2417 1513 1515 1326 Teachers Insurance Co. 622 666 863 1389 1468 1254 1186 1119 n/a = Carriers Travelers Commercial Insurance Co. 672 779 701 1293 1465 1225 1023 1178 that do not have Travelers Home & Marine Insurance Co. 687 798 717 1325 1500 1255 1048 1207 rates United Services Automobile Association 1055 1102 1270 1862 1951 1791 1634 1632 available based Unitrin Direct Property & Casualty Co. 929 1075 1148 1911 2101 1869 1532 1480 on the criteria Unitrin Safeguard Insurance Co. 699 641 861 1504 1338 913 1006 838 in the Universal North America Insurance Co. 900 937 1062 1719 1862 1376 1763 1486 scenario. Universal Property & Casualty Ins. Co. 774 861 1119 1869 2298 1794 1692 1615 USAA Casualty Insurance Co. 974 1019 1181 1728 1789 1665 1516 1522 Certain USAA General Indemnity Co. 1137 1181 1355 1970 2087 1860 1720 1675 companies may Vigilant Insurance Co. 948 1119 1413 2203 1736 2394 2255 2115 impose higher Windsor Mt. Joy Mutual Insurance Co. 719 865 1094 1806 1462 1655 1559 1462 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 22

Condominium Policy Scenario 5 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co. 391 327 327 393 340 327 391 327 Maryland, Allstate Insurance Co. 384 362 334 460 428 335 403 339 Washington D.C. American Bankers Insurance Co. of FL 481 433 417 560 608 451 497 451 Suburbs, and American National Property & Casualty Co. 431 329 297 413 431 354 412 392 Southern American Strategic Insurance Corp. 587 536 413 671 763 507 479 509 Maryland Amica Mutual Insurance Co. 500 420 369 525 535 416 512 416 Brethren Mutual Insurance Co. 227 188 166 297 448 283 289 229 Chubb National Insurance Co. 390 370 301 434 459 311 473 311 Rates Cincinnati Insurance Co. 201 199 188 222 218 188 212 188 Effective CSAA Affinity Insurance Co. 277 244 233 496 403 333 344 283 as of Cumberland Mutual Fire Insurance Co. 706 597 586 1032 1675 876 1068 876 8/1/2018 Donegal Mutual Insurance Co. 280 237 226 350 360 243 311 243 Encompass Home/Auto Insurance Co. 459 377 371 433 399 365 413 365 Erie Insurance Co. 441 544 376 696 574 439 606 383 n/a = Carriers Everett Cash Mutual Insurance Co. 526 440 426 639 540 426 540 426 that do not have Farmers Insurance Exchange 272 265 248 327 379 280 332 280 rates Farmers Mutual Fire Ins. Co. of Salem Cnty. 511 440 469 679 511 478 520 475 available based Federal Insurance Co. 416 391 322 536 485 330 499 330 on the criteria Frederick Mutual Insurance Co. 368 331 312 501 519 354 441 354 in the Garrison Property & Casualty Ins. Co. 372 336 316 380 438 350 370 332 scenario. Hartford Fire Insurance Co. 551 480 476 556 556 476 556 476 Homesite Insurance Co. of the Midwest 611 535 524 740 723 533 646 556 Certain Horace Mann Insurance Co. 196 191 179 251 230 179 212 179 companies may IDS Property Casualty Ins. Co. 511 393 423 614 524 435 533 423 impose higher Liberty Insurance Corp. 685 613 587 787 788 577 682 577 and separate Lititz Mutual Insurance Co. 360 313 306 569 654 437 529 437 wind/hail or LM Insurance Corp. 719 639 616 824 825 605 711 605 hurricane Meridian Security Insurance Co. 464 398 381 545 572 415 536 441 deductibles. Metropolitan Group Property and Casualty 485 463 446 487 598 467 525 467 Please contact Metropolitan Property and Casualty Ins. 441 389 372 599 530 390 478 390 your agent or Mutual Benefit Insurance Co. 374 313 301 457 386 301 386 301 company for Nationwide Insurance Co. of America 401 365 357 294 516 376 290 344 23

Condominium Policy Scenario 5 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western NGM Insurance Co. 255 218 207 315 266 196 253 196 Maryland, Peninsula Insurance Co. 433 370 358 518 444 358 444 358 Washington D.C. Penn National Insurance Co. 275 249 237 327 287 237 287 237 Suburbs, and Pharmacists Mutual Insurance Co. 472 426 411 491 640 416 480 416 Southern Praetorian Insurance Co. 607 532 486 659 717 534 625 534 Maryland Privilege Underwriters Reciprocal Exch. 717 552 552 690 633 552 717 552 Safeco Insurance Co. of America 663 576 560 729 678 560 678 560 Selective Ins. Co. of South Carolina 243 220 226 253 359 251 300 249 Rates State Farm Fire & Casualty Co. 342 295 287 410 578 298 389 298 Effective Stillwater P & C Insurance Co. 571 514 507 675 977 604 680 566 as of Teachers Insurance Co. 194 191 179 244 221 179 208 179 8/1/2018 Travelers Commercial Insurance Co. 479 395 467 585 476 390 626 412 Travelers Home & Marine Insurance Co. 490 404 478 599 487 399 641 421 United Services Automobile Association 384 345 328 398 459 365 385 351 n/a = Carriers Unitrin Direct Property & Casualty Co. 481 421 379 560 555 416 496 397 that do not have Unitrin Safeguard Insurance Co. 249 258 240 288 304 263 284 247 rates Universal Property & Casualty Ins. Co. 382 350 332 538 668 424 515 424 available based USAA Casualty Insurance Co. 390 349 330 397 457 364 385 348 on the criteria USAA General Indemnity Co. 324 294 279 333 382 306 323 293 in the Vigilant Insurance Co. 416 391 322 536 485 330 499 330 scenario. Windsor Mt. Joy Mutual Insurance Co. 555 457 512 767 613 487 613 487 Certain companies may impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 24

Renters Policy Scenario 6 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western AIG Property Casualty Co. 292 381 292 381 381 292 381 292 Maryland, Allstate Insurance Co. 287 424 287 420 444 280 411 282 Washington D.C. American Bankers Insurance Co. of FL 343 469 343 491 491 343 491 343 Suburbs, and American Family Home Insurance Co. 465 675 465 675 675 465 675 465 Southern American Modern Home Insurance Co. 348 538 348 538 538 348 538 348 Maryland American National Property & Casualty Co. 247 267 193 233 300 243 284 273 American Strategic Insurance Corp. 263 343 220 273 461 267 321 269 Amica Mutual Insurance Co. 196 269 196 269 269 196 269 196 Rates Brethren Mutual Insurance Co. 150 168 150 184 321 150 190 150 Effective Century National Insurance Co. 273 371 273 371 371 273 371 273 as of Chubb National Insurance Co. 222 384 222 315 384 229 396 229 8/1/2018 Cincinnati Insurance Co. 103 140 96 138 145 103 143 103 CSAA Affinity Insurance Co. 194 246 194 241 295 169 216 169 Cumberland Mutual Fire Insurance Co. 216 305 216 312 519 205 281 205 n/a = Carriers Donegal Mutual Insurance Co. 288 402 288 402 414 275 384 275 that do not have Encompass Home/Auto Insurance Co. 369 487 369 378 416 344 427 344 rates Erie Insurance Co. 250 450 252 445 398 290 419 257 available based Everett Cash Mutual Insurance Co. 239 334 239 334 334 239 334 239 on the criteria Farmers Insurance Exchange 297 404 297 316 487 307 418 307 in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 290 385 202 277 385 217 272 216 scenario. Federal Insurance Co. 234 405 234 376 405 240 415 240 First American Property & Casualty Ins. Co. 202 319 202 319 350 223 350 223 Certain Frederick Mutual Insurance Co. 254 362 254 356 399 243 347 243 companies may Garrison Property & Casualty Ins. Co. 224 304 240 343 360 327 374 340 impose higher Hartford Fire Insurance Co. 166 214 166 214 214 166 214 166 and separate Homesite Insurance Co. of the Midwest 271 381 271 381 424 271 381 291 wind/hail or Horace Mann Insurance Co. 141 189 141 236 236 141 189 141 hurricane IDS Property Casualty Ins. Co. 261 346 265 355 308 303 348 244 deductibles. Liberty Insurance Corp. 529 690 529 651 770 538 696 538 Please contact Lititz Mutual Insurance Co. 190 266 190 273 465 174 245 174 your agent or LM Insurance Corp. 559 727 559 686 810 567 732 567 company for Markel American Insurance Co. 266 355 266 355 355 266 355 266 25

Renters Policy Scenario 6 21502 21550 21740 20904 20744 20678 20603 20650 Prince Saint Company Name Allegany Garrett Washington Montgomery George's Calvert Charles Mary's Western Meridian Security Insurance Co. 420 544 387 568 717 402 542 410 Maryland, Metropolitan Group Property and Casualty 484 588 484 514 715 510 618 510 Washington D.C. Metropolitan Property and Casualty Ins. 310 421 310 490 501 330 446 330 Suburbs, and Mutual Benefit Insurance Co. 209 320 209 320 320 209 320 209 Southern Nationwide Insurance Co. of America 451 605 451 553 866 503 680 444 Maryland NGM Insurance Co. 311 432 311 414 417 298 414 298 Peninsula Insurance Co. 282 399 282 399 399 282 359 282 Penn National Insurance Co. 246 336 246 336 336 246 336 246 Rates Pharmacists Mutual Insurance Co. 204 299 204 257 437 210 292 210 Effective Praetorian Insurance Co. 303 419 303 419 419 303 419 303 as of Privilege Underwriters Reciprocal Exch. 470 676 470 597 597 470 676 470 8/1/2018 Progressive Specialty Insurance Co. 263 343 220 273 461 267 321 269 Safeco Insurance Co. of America 360 554 360 554 554 360 554 360 Selective Ins. Co. of South Carolina 167 225 183 228 466 214 302 210 n/a = Carriers State Farm Fire & Casualty Co. 141 185 141 169 292 146 213 146 that do not have Stillwater P & C Insurance Co. 286 383 371 350 555 476 539 400 rates Teachers Insurance Co. 131 176 131 219 219 131 176 131 available based Travelers Commercial Insurance Co. 384 369 278 377 507 306 461 298 on the criteria Travelers Home & Marine Insurance Co. 393 377 284 386 520 313 472 304 in the United Services Automobile Association 228 307 243 348 365 332 380 346 scenario. Unitrin Direct Property & Casualty Co. 263 366 250 338 405 282 352 265 Unitrin Safeguard Insurance Co. 197 250 182 298 332 205 292 174 Certain Universal Property & Casualty Ins. Co. 282 393 282 298 529 319 445 319 companies may USAA Casualty Insurance Co. 252 340 269 384 403 361 418 378 impose higher USAA General Indemnity Co. 203 275 217 311 326 302 340 312 and separate Vigilant Insurance Co. 234 405 234 376 405 240 415 240 wind/hail or Windsor Mt. Joy Mutual Insurance Co. 245 354 290 418 393 273 393 273 hurricane deductibles. Please contact your agent or company for 26

Homeowners Policy Scenario 1 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co. 953 823 531 898 936 1158 761 1228 Baltimore Allstate Vehicle & Property Insurance Co. 1460 1014 908 1182 946 1096 1098 1686 Suburban American National Property & Casualty Co. 1272 922 839 1054 805 961 970 1270 Area American Security Insurance Co. 2447 1830 1048 2487 1748 2297 2077 3388 American Strategic Insurance Corp. 1171 1011 907 1049 1017 955 971 1340 Amica Mutual Insurance Co. 1599 1218 1236 1272 1560 1289 1323 1603 Brethren Mutual Insurance Co. 642 652 n/a 548 597 752 430 716 Chubb National Insurance Co. 1552 1019 682 1028 1254 1172 1268 1358 Rates Cincinnati Insurance Co. 1484 1220 940 1331 1214 1408 1229 1958 Effective CSAA Affinity Insurance Co. 1272 798 1652 1297 1291 1290 1113 1720 as of Cumberland Mutual Fire Insurance Co. 996 852 n/a 883 743 742 738 1217 8/1/2018 Donegal Mutual Insurance Co. 1280 960 579 1069 985 923 994 1455 Encompass Home/Auto Insurance Co. 1902 1054 n/a 1387 1200 1406 1592 2493 Erie Insurance Co. 1569 890 824 1174 1141 1152 1243 1819 n/a = Carriers Esurance Insurance Co. 1163 832 634 1071 821 991 965 1308 that do not have Everett Cash Mutual Insurance Co. 1363 671 1065 1284 934 1282 1088 1716 rates Farmers Insurance Exchange 909 820 1019 901 891 786 865 1085 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 1087 1008 875 891 806 912 935 1198 on the criteria Federal Insurance Co. 1903 1329 828 1252 1537 1426 1554 1659 in the Frederick Mutual Insurance Co. 845 808 636 744 795 725 657 907 scenario. Garrison Property & Casualty Ins. Co. 1747 1265 999 1512 1383 1439 1390 1872 Hartford Fire Insurance Co. 1920 1544 1700 1782 1479 1656 1527 2098 Certain Homesite Insurance Co. 1188 760 1034 1191 1168 1242 1003 1348 companies may Horace Mann Insurance Co. 1217 1093 1036 1134 994 1201 1118 1347 impose higher IDS Property Casualty Ins. Co. 1178 1042 648 1365 990 1653 1225 2066 and separate Liberty Insurance Corp. 1164 886 983 995 1004 979 1031 1296 wind/hail or Lititz Mutual Insurance Co. 1297 993 1070 998 818 953 832 1254 hurricane LM Insurance Corp. 1225 932 1035 1047 1054 1034 1090 1362 deductibles. Meridian Security Insurance Co. 1907 1487 991 1407 1349 1514 1348 2152 Please contact Metropolitan Group Property and Casualty 2117 1642 832 1614 1338 1614 1523 2102 your agent or Metropolitan Property and Casualty Ins. 2045 1409 963 1448 1667 1448 1914 1713 company for Mutual Benefit Insurance Co. 1543 1283 828 1267 1163 1131 1060 1530 27

Homeowners Policy Scenario 1 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America 1643 1360 1510 1467 1259 1361 1271 1743 Baltimore NGM Insurance Co. 1129 747 564 846 797 886 704 1160 Suburban Peninsula Insurance Co. 1024 850 760 906 835 795 760 1233 Area Penn National Insurance Co. 1230 1049 881 1021 889 933 927 1297 Pharmacists Mutual Insurance Co. 1367 692 1018 1021 818 1093 815 1248 Praetorian Insurance Co. 1390 n/a n/a 1136 1332 1137 1106 1432 Privilege Underwriters Reciprocal Exch. 2998 2917 3347 3266 3563 3959 3197 3542 QBE Insurance Corp. 1659 1270 1214 1461 1131 1377 1210 1713 Rates Safeco Insurance Co. of America 652 563 654 652 729 562 620 544 Effective Selective Ins. Co. of South Carolina 1626 1467 1284 1286 1353 1417 1056 1566 as of Standard Guaranty Insurance Co. 2855 2134 1080 2901 2039 2678 2422 3956 8/1/2018 State Farm Fire & Casualty Co. 1725 1528 945 1631 1437 1558 1537 1946 Stillwater P & C Insurance Co. 1080 899 1787 1106 1206 1292 1021 1304 Teachers Insurance Co. 1028 960 941 1014 860 939 956 1228 n/a = Carriers Travelers Commercial Insurance Co. 1189 951 985 972 713 928 851 1089 that do not have Travelers Home & Marine Insurance Co. 1217 973 1009 995 729 950 871 1115 rates United Services Automobile Association 1756 1273 1019 1518 1394 1442 1396 1874 available based Unitrin Direct Property & Casualty Co. 1540 1260 1303 1212 1262 1244 1130 1718 on the criteria Unitrin Safeguard Insurance Co. 1040 819 774 968 868 840 817 1260 in the Universal North America Insurance Co. 1062 1109 915 1114 1094 1026 1154 1567 scenario. Universal Property & Casualty Ins. Co. 1326 1205 832 1319 893 1084 1011 1583 USAA Casualty Insurance Co. 1611 1169 927 1401 1275 1333 1284 1725 Certain USAA General Indemnity Co. 1868 1367 1095 1625 1502 1539 1498 2003 companies may Vigilant Insurance Co. 1717 1088 682 1130 1389 1289 1406 1496 impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 28

Homeowners Policy Scenario 2 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co. 1048 947 706 987 1089 1277 858 1325 Baltimore Allstate Vehicle & Property Insurance Co. 1393 949 803 1166 904 1035 1031 1528 Suburban American National Property & Casualty Co. 1549 1129 856 1317 988 1220 1186 1605 Area American Security Insurance Co. 2506 2241 1447 2896 2157 2372 2206 3369 American Strategic Insurance Corp. 1267 1090 1019 1203 1139 1043 1072 1418 Amica Mutual Insurance Co. 1491 1148 1161 1150 1477 1216 1245 1431 Brethren Mutual Insurance Co. 854 563 643 578 670 763 467 725 Chubb National Insurance Co. 1515 1053 833 1010 1320 1151 1279 1301 Rates Cincinnati Insurance Co. 1369 1182 996 1237 1185 1308 1170 1755 Effective CSAA Affinity Insurance Co. 1199 933 1552 1264 1238 1257 1104 1635 as of Cumberland Mutual Fire Insurance Co. 1023 911 726 917 797 774 786 1201 8/1/2018 Donegal Mutual Insurance Co. 1141 830 646 967 889 835 919 1365 Encompass Home/Auto Insurance Co. 2031 1304 n/a 1599 1360 1518 1651 2616 Erie Insurance Co. 1213 709 713 898 891 898 974 1350 n/a = Carriers Esurance Insurance Co. 1174 818 585 1123 773 971 914 1248 that do not have Everett Cash Mutual Insurance Co. 1340 711 1100 1272 968 1267 1103 1641 rates Farmers Insurance Exchange 780 718 873 762 769 659 710 918 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 1123 933 935 933 891 953 976 1236 on the criteria Federal Insurance Co. 1858 1376 1012 1228 1619 1400 1568 1589 in the Frederick Mutual Insurance Co. 910 908 814 793 876 778 718 985 scenario. Garrison Property & Casualty Ins. Co. 1743 1332 1131 1528 1411 1435 1402 1819 Hartford Fire Insurance Co. 1623 1426 1697 1619 1291 1426 1342 1759 Certain Homesite Insurance Co. 1179 820 1052 1184 1182 1227 1013 1307 companies may Horace Mann Insurance Co. 1187 1066 1047 1114 998 1179 1123 1280 impose higher IDS Property Casualty Ins. Co. 1226 1154 734 1472 1064 1798 1357 2250 and separate Liberty Insurance Corp. 1124 872 956 960 975 943 1001 1250 wind/hail or Lititz Mutual Insurance Co. 1468 1185 1386 1149 968 1098 1013 1353 hurricane LM Insurance Corp. 1185 916 1005 1009 1030 993 1052 1318 deductibles. Meridian Security Insurance Co. 1898 1545 1080 1419 1364 1558 1393 2097 Please contact Metropolitan Group Property and Casualty 2091 1678 955 1617 1366 1617 1539 1994 your agent or Metropolitan Property and Casualty Ins. 1902 1393 1042 1402 1606 1367 1827 1540 company for Mutual Benefit Insurance Co. 1474 1260 954 1164 1160 1089 1038 1440 29

Homeowners Policy Scenario 2 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America 1457 1242 1505 1317 1122 1207 1134 1490 Baltimore NGM Insurance Co. 1112 765 645 841 815 880 719 1108 Suburban Peninsula Insurance Co. 971 835 907 952 823 762 745 1131 Area Penn National Insurance Co. 1128 970 893 915 864 866 876 1176 Pharmacists Mutual Insurance Co. 1377 821 1082 1045 881 1117 861 1227 Praetorian Insurance Co. 1275 1195 n/a 1206 1320 1090 1076 1344 Privilege Underwriters Reciprocal Exch. 2510 2431 3385 2787 3093 3494 2716 3665 QBE Insurance Corp. 1450 1415 1301 1447 1015 1206 1077 1472 Rates Safeco Insurance Co. of America 496 429 498 496 554 429 471 416 Effective Selective Ins. Co. of South Carolina 1444 1327 1227 1115 1250 1263 964 1359 as of Standard Guaranty Insurance Co. 3297 2614 1559 3381 2518 3121 2901 4436 8/1/2018 State Farm Fire & Casualty Co. 1296 1168 803 1212 1114 1159 1135 1454 Stillwater P & C Insurance Co. 1177 1140 2066 1107 1375 1362 1150 1454 Teachers Insurance Co. 1002 936 951 996 863 922 960 1167 n/a = Carriers Travelers Commercial Insurance Co. 1059 814 841 798 624 787 760 953 that do not have Travelers Home & Marine Insurance Co. 1084 833 860 816 639 805 777 976 rates United Services Automobile Association 1748 1338 1149 1531 1420 1435 1405 1818 available based Unitrin Direct Property & Casualty Co. 1477 1218 1219 1194 1225 1215 1112 1644 on the criteria Unitrin Safeguard Insurance Co. 981 822 827 946 806 807 809 1230 in the Universal North America Insurance Co. 1136 1211 1114 1185 1208 1096 1246 1647 scenario. Universal Property & Casualty Ins. Co. 1518 1415 1061 1384 1059 1247 1202 1738 USAA Casualty Insurance Co. 1607 1229 1046 1413 1301 1329 1294 1676 Certain USAA General Indemnity Co. 1857 1436 1234 1638 1525 1528 1504 1940 companies may Vigilant Insurance Co. 1674 1127 833 1110 1461 1267 1419 1431 impose higher Windsor Mt. Joy Mutual Insurance Co. 1348 934 794 1191 904 1191 1031 1543 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 30

Homeowners Policy Scenario 3 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co. 1025 898 801 987 1110 1275 825 1271 Baltimore Allstate Vehicle & Property Insurance Co. 1083 1084 880 1267 894 829 1004 1156 Suburban American National Property & Casualty Co. 1561 1238 1000 1420 1025 1242 1213 1472 Area American Security Insurance Co. 2701 2529 1677 2788 2453 2575 2446 3544 American Strategic Insurance Corp. 1117 1115 988 1137 1032 929 963 1249 Amica Mutual Insurance Co. 1554 1195 1224 1189 1638 1256 1357 1433 Brethren Mutual Insurance Co. 748 706 606 549 663 749 454 665 Chubb National Insurance Co. 1534 1113 939 1040 1404 1174 1339 1295 Rates Cincinnati Insurance Co. 1370 1239 1113 1256 1248 1324 1214 1701 Effective CSAA Affinity Insurance Co. 1060 902 1426 1125 1138 1113 984 1407 as of Cumberland Mutual Fire Insurance Co. 1032 971 784 948 857 809 832 1170 8/1/2018 Donegal Mutual Insurance Co. 1147 933 865 1011 904 818 899 1291 Encompass Home/Auto Insurance Co. 1888 1284 936 1498 1304 1415 1585 2406 Erie Insurance Co. 1408 836 923 1041 989 1046 1159 1484 n/a = Carriers Esurance Insurance Co. 1149 976 674 1278 784 970 948 1238 that do not have Everett Cash Mutual Insurance Co. 1399 823 1196 1337 1058 1333 1183 1678 rates Farmers Insurance Exchange 897 820 966 903 854 771 811 1082 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 1107 929 986 914 886 936 967 1202 on the criteria Federal Insurance Co. 1864 1434 1128 1250 1708 1416 1620 1565 in the Frederick Mutual Insurance Co. 1002 962 955 850 976 864 797 1064 scenario. Garrison Property & Casualty Ins. Co. 1599 1345 1198 1479 1330 1329 1310 1656 Hartford Fire Insurance Co. 1458 1585 1868 1607 1205 1300 1246 1559 Certain Homesite Insurance Co. 1084 868 1040 1128 1096 1097 934 1153 companies may Horace Mann Insurance Co. 1112 1110 1211 1128 976 1110 1076 1178 impose higher IDS Property Casualty Ins. Co. 1241 1274 755 1569 1127 1924 1472 2535 and separate Liberty Insurance Corp. 1290 1000 1072 1085 1092 1062 1129 1438 wind/hail or Lititz Mutual Insurance Co. 1423 1266 1505 1144 1050 1096 1056 1299 hurricane LM Insurance Corp. 1355 1052 1129 1141 1149 1114 1186 1516 deductibles. Meridian Security Insurance Co. 1901 1696 1257 1543 1411 1634 1468 2107 Please contact Metropolitan Group Property and Casualty 1845 1549 979 1459 1285 1459 1428 1725 your agent or Metropolitan Property and Casualty Ins. 1779 1395 1142 1329 1564 1287 1767 1403 company for Mutual Benefit Insurance Co. 1341 1142 999 1078 1103 1016 985 1306 31

Homeowners Policy Scenario 3 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America 1428 1337 1714 1361 1164 1202 1140 1439 Baltimore NGM Insurance Co. 925 670 606 709 718 739 621 902 Suburban Peninsula Insurance Co. 852 904 862 904 855 765 768 1076 Area Penn National Insurance Co. 1073 912 872 877 826 826 825 1095 Pharmacists Mutual Insurance Co. 1775 1334 1532 1467 1346 1534 1315 1616 Praetorian Insurance Co. 1236 1187 n/a 1063 1313 1063 1062 1282 Privilege Underwriters Reciprocal Exch. 1982 1806 2717 2019 2205 2499 1978 2967 QBE Insurance Corp. 1474 1581 1534 1425 1107 1255 1155 1474 Rates Safeco Insurance Co. of America 910 825 1047 920 1047 787 894 808 Effective Selective Ins. Co. of South Carolina 1368 1322 1295 1132 1252 1219 966 1286 as of Standard Guaranty Insurance Co. 3420 2829 1865 3530 2742 3258 3092 4494 8/1/2018 State Farm Fire & Casualty Co. 1262 1165 872 1214 1088 1133 1114 1408 Stillwater P & C Insurance Co. 1172 1292 1858 1131 1331 1350 1080 1395 Teachers Insurance Co. 946 979 1102 1012 850 878 926 1078 n/a = Carriers Travelers Commercial Insurance Co. 1177 1078 1047 954 742 891 951 1117 that do not have Travelers Home & Marine Insurance Co. 1205 1104 1072 977 759 912 974 1144 rates United Services Automobile Association 1603 1350 1214 1481 1336 1328 1311 1654 available based Unitrin Direct Property & Casualty Co. 1566 1335 1363 1288 1336 1291 1188 1703 on the criteria Unitrin Safeguard Insurance Co. 936 884 874 920 760 774 781 1186 in the Universal North America Insurance Co. 1022 1145 1149 1128 1096 986 1123 1443 scenario. Universal Property & Casualty Ins. Co. 1488 1322 1154 1373 1208 1225 1212 1676 USAA Casualty Insurance Co. 1476 1239 1108 1369 1228 1233 1211 1527 Certain USAA General Indemnity Co. 1701 1451 1308 1585 1433 1412 1402 1763 companies may Vigilant Insurance Co. 1688 1187 939 1137 1546 1287 1473 1415 impose higher Windsor Mt. Joy Mutual Insurance Co. 1305 944 850 1161 918 1161 1025 1457 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 32

Homeowners Policy Scenario 4 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co. 1165 1073 1001 1166 1270 1450 966 1348 Baltimore Allstate Vehicle & Property Insurance Co. 1127 1090 910 1026 932 845 883 1165 Suburban American National Property & Casualty Co. 1471 1373 1136 1549 1047 1239 1217 1447 Area American Security Insurance Co. 3019 2583 1828 3132 2840 2892 2788 3887 American Strategic Insurance Corp. 1148 1210 1081 1252 1084 958 1002 1269 Amica Mutual Insurance Co. 1766 1406 1373 1375 1912 1451 1566 1640 Brethren Mutual Insurance Co. 970 962 895 724 909 993 609 857 Chubb National Insurance Co. 1772 1315 1186 1212 1663 1359 1556 1458 Rates Cincinnati Insurance Co. 1400 1537 1448 1521 1310 1354 1256 1718 Effective CSAA Affinity Insurance Co. 1328 1059 1817 1422 1383 1340 1204 1700 as of Cumberland Mutual Fire Insurance Co. 1154 1212 1009 1138 986 892 939 1291 8/1/2018 Donegal Mutual Insurance Co. 1262 914 664 1085 907 870 927 1321 Encompass Home/Auto Insurance Co. 2341 1580 1250 1836 1694 1746 2124 2687 Erie Insurance Co. 1477 914 1013 1119 1098 1107 1247 1525 n/a = Carriers Esurance Insurance Co. 1198 1010 755 1265 826 978 997 1223 that do not have Everett Cash Mutual Insurance Co. 1724 1099 1514 1656 1342 1648 1483 2033 rates Farmers Insurance Exchange 773 811 989 890 737 663 701 905 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 1222 1026 1215 1058 982 1035 1066 1308 on the criteria Federal Insurance Co. 2160 1701 1430 1462 2028 1643 1891 1763 in the Frederick Mutual Insurance Co. 1138 1103 1069 1009 1106 979 895 1175 scenario. Garrison Property & Casualty Ins. Co. 1608 1425 1356 1547 1351 1342 1330 1639 Hartford Fire Insurance Co. 1350 1351 1531 1408 1146 1200 1162 1405 Certain Homesite Insurance Co. 1021 854 1022 1112 1084 1071 918 1098 companies may Horace Mann Insurance Co. 1282 1323 1339 1316 1158 1287 1261 1337 impose higher IDS Property Casualty Ins. Co. 1086 1401 826 1716 972 1541 1194 1924 and separate Liberty Insurance Corp. 1301 1034 1108 1109 1143 1089 1159 1464 wind/hail or Lititz Mutual Insurance Co. 1389 1418 1774 1218 1076 1059 1041 1245 hurricane LM Insurance Corp. 1372 1084 1167 1167 1203 1148 1220 1541 deductibles. Meridian Security Insurance Co. 1944 1833 1452 1599 1457 1625 1461 2078 Please contact Metropolitan Group Property and Casualty 2154 1859 1162 1677 1529 1677 1679 1975 your agent or Metropolitan Property and Casualty Ins. 2083 1601 1309 1494 1890 1454 2101 1600 company for Mutual Benefit Insurance Co. 1545 1322 1125 1231 1175 1056 1027 1425 33

Homeowners Policy Scenario 4 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Nationwide Insurance Co. of America 1350 1403 1869 1434 1126 1150 1106 1364 Baltimore NGM Insurance Co. 1271 948 894 975 1022 1021 867 1213 Suburban Peninsula Insurance Co. 959 862 779 915 892 765 779 1070 Area Penn National Insurance Co. 1133 1088 1090 1030 879 874 888 1144 Pharmacists Mutual Insurance Co. 1579 1147 1343 1235 1084 1284 1032 1358 Praetorian Insurance Co. 1314 1193 1308 1163 1428 1133 1144 1348 Privilege Underwriters Reciprocal Exch. 2610 2164 3374 2991 2486 3401 2183 3291 QBE Insurance Corp. 1466 1316 1361 1347 1070 1229 1111 1439 Rates Safeco Insurance Co. of America 884 879 1020 985 1018 762 837 784 Effective Selective Ins. Co. of South Carolina 1557 1536 1545 1275 1455 1396 1077 1432 as of Standard Guaranty Insurance Co. 3824 3267 2304 3969 3180 3663 3530 4933 8/1/2018 State Farm Fire & Casualty Co. 1398 1387 1082 1458 1198 1259 1220 1530 Stillwater P & C Insurance Co. 1203 1329 1993 1231 1329 1406 1124 1419 Teachers Insurance Co. 1088 1165 1217 1179 1005 1014 1083 1222 n/a = Carriers Travelers Commercial Insurance Co. 1152 1188 1117 992 693 834 850 1007 that do not have Travelers Home & Marine Insurance Co. 1180 1216 1144 1016 709 854 870 1031 rates United Services Automobile Association 1609 1426 1366 1546 1356 1338 1329 1634 available based Unitrin Direct Property & Casualty Co. 1630 1479 1518 1424 1428 1356 1271 1768 on the criteria Unitrin Safeguard Insurance Co. 903 948 1029 1037 713 741 725 1154 in the Universal North America Insurance Co. 1199 1375 1347 1321 1319 1164 1358 1676 scenario. Universal Property & Casualty Ins. Co. 1645 1573 1279 1583 1399 1371 1376 1828 USAA Casualty Insurance Co. 1490 1313 1245 1434 1251 1249 1233 1518 Certain USAA General Indemnity Co. 1692 1524 1469 1644 1443 1410 1409 1727 companies may Vigilant Insurance Co. 1953 1405 1186 1326 1836 1492 1715 1598 impose higher Windsor Mt. Joy Mutual Insurance Co. 1591 1182 1179 1420 1152 1420 1272 1748 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 34

Condominium Policy Scenario 5 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co. 339 395 383 286 327 391 286 286 Baltimore Allstate Insurance Co. 390 397 404 331 346 412 372 359 Suburban American Bankers Insurance Co. of FL 481 481 537 417 417 497 433 433 Area American National Property & Casualty Co. 369 469 428 320 303 396 330 322 American Strategic Insurance Corp. 499 722 555 470 497 424 448 464 Amica Mutual Insurance Co. 459 538 513 369 435 449 388 388 Brethren Mutual Insurance Co. 282 283 362 212 182 206 211 211 Chubb National Insurance Co. 347 376 502 248 301 459 338 317 Rates Cincinnati Insurance Co. 201 201 206 188 188 212 199 205 Effective CSAA Affinity Insurance Co. 266 324 504 243 246 288 254 254 as of Cumberland Mutual Fire Insurance Co. 1093 1111 1270 793 669 717 804 804 8/1/2018 Donegal Mutual Insurance Co. 295 450 460 284 284 290 266 266 Encompass Home/Auto Insurance Co. 405 408 443 389 328 486 386 323 Erie Insurance Co. 411 499 573 350 401 458 411 376 n/a = Carriers Everett Cash Mutual Insurance Co. 526 575 589 426 426 540 440 440 that do not have Farmers Insurance Exchange 295 279 336 256 247 289 273 273 rates Farmers Mutual Fire Ins. Co. of Salem Cnty. 464 669 1017 429 448 548 429 429 available based Federal Insurance Co. 371 399 531 262 322 485 356 331 on the criteria Frederick Mutual Insurance Co. 399 657 639 362 424 387 381 381 in the Garrison Property & Casualty Ins. Co. 366 355 429 313 346 324 310 309 scenario. Hartford Fire Insurance Co. 551 657 664 476 476 556 480 480 Homesite Insurance Co. of the Midwest 629 698 623 524 524 634 535 535 Certain Horace Mann Insurance Co. 218 229 254 179 179 208 191 200 companies may IDS Property Casualty Ins. Co. 511 650 560 407 397 557 460 487 impose higher Liberty Insurance Corp. 674 710 721 587 554 719 590 613 and separate Lititz Mutual Insurance Co. 522 436 411 408 363 367 415 415 wind/hail or LM Insurance Corp. 704 744 755 616 580 750 619 639 hurricane Meridian Security Insurance Co. 495 556 617 388 449 448 420 430 deductibles. Metropolitan Group Property and Casualty 604 574 502 446 457 502 474 468 Please contact Metropolitan Property and Casualty Ins. 513 538 426 372 413 458 430 410 your agent or Mutual Benefit Insurance Co. 374 390 402 301 301 386 313 313 company for Nationwide Insurance Co. of America 344 331 407 371 327 329 324 296 35

Condominium Policy Scenario 5 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater NGM Insurance Co. 255 281 281 207 207 266 218 218 Baltimore Peninsula Insurance Co. 433 458 472 358 358 444 370 370 Suburban Penn National Insurance Co. 275 298 310 237 237 287 249 249 Area Pharmacists Mutual Insurance Co. 469 475 438 367 438 496 390 390 Praetorian Insurance Co. 606 627 777 486 628 581 527 497 Privilege Underwriters Reciprocal Exch. 628 633 703 486 552 717 486 486 Safeco Insurance Co. of America 663 616 678 560 560 631 576 536 Selective Ins. Co. of South Carolina 285 291 387 206 262 266 213 210 Rates State Farm Fire & Casualty Co. 389 380 397 287 263 350 271 295 Effective Stillwater P & C Insurance Co. 557 677 775 518 580 619 503 605 as of Teachers Insurance Co. 209 220 247 179 179 206 179 193 8/1/2018 Travelers Commercial Insurance Co. 475 595 522 390 267 519 488 381 Travelers Home & Marine Insurance Co. 486 609 534 399 273 531 499 390 United Services Automobile Association 381 368 445 324 356 338 320 319 n/a = Carriers Unitrin Direct Property & Casualty Co. 489 568 500 375 416 476 398 392 that do not have Unitrin Safeguard Insurance Co. 274 281 332 267 252 250 257 291 rates Universal Property & Casualty Ins. Co. 458 436 548 365 331 400 383 383 available based USAA Casualty Insurance Co. 379 367 442 324 358 337 320 318 on the criteria USAA General Indemnity Co. 319 310 372 275 302 286 273 272 in the Vigilant Insurance Co. 371 399 531 262 322 485 356 331 scenario. Windsor Mt. Joy Mutual Insurance Co. 604 634 772 512 512 643 521 521 Certain companies may impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 36

Renters Policy Scenario 6 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater AIG Property Casualty Co. 298 305 293 298 292 381 390 390 Baltimore Allstate Insurance Co. 293 301 287 285 289 424 443 420 Suburban American Bankers Insurance Co. of FL 360 360 360 343 343 491 469 491 Area American Family Home Insurance Co. 465 465 465 465 465 675 675 675 American Modern Home Insurance Co. 348 348 348 348 348 538 538 538 American National Property & Casualty Co. 201 274 234 212 198 270 269 260 American Strategic Insurance Corp. 216 213 270 234 308 326 279 270 Amica Mutual Insurance Co. 196 196 196 196 196 269 269 269 Rates Brethren Mutual Insurance Co. 150 167 172 150 156 209 172 172 Effective Century National Insurance Co. 273 273 273 273 371 371 371 as of Chubb National Insurance Co. 201 214 242 186 222 384 351 329 8/1/2018 Cincinnati Insurance Co. 103 103 91 103 103 143 143 145 CSAA Affinity Insurance Co. 162 187 202 149 179 246 191 191 Cumberland Mutual Fire Insurance Co. 218 259 315 216 239 305 305 305 n/a = Carriers Donegal Mutual Insurance Co. 271 280 280 251 251 402 372 372 that do not have Encompass Home/Auto Insurance Co. 316 326 352 387 323 513 498 413 rates Erie Insurance Co. 235 278 292 237 267 323 344 316 available based Everett Cash Mutual Insurance Co. 239 263 263 239 239 334 334 334 on the criteria Farmers Insurance Exchange 277 267 336 260 292 404 355 355 in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 210 206 327 213 206 267 282 282 scenario. Federal Insurance Co. 213 226 256 195 234 405 370 343 First American Property & Casualty Ins. Co. 242 242 345 202 250 319 319 319 Certain Frederick Mutual Insurance Co. 221 212 254 205 178 362 296 296 companies may Garrison Property & Casualty Ins. Co. 280 257 252 238 297 324 382 352 impose higher Hartford Fire Insurance Co. 166 203 203 166 166 214 214 214 and separate Homesite Insurance Co. of the Midwest 271 301 271 271 271 381 381 381 wind/hail or Horace Mann Insurance Co. 179 179 179 141 141 189 189 236 hurricane IDS Property Casualty Ins. Co. 261 259 288 247 270 310 285 297 deductibles. Liberty Insurance Corp. 525 570 608 529 543 690 727 658 Please contact Lititz Mutual Insurance Co. 193 230 278 190 212 266 266 266 your agent or LM Insurance Corp. 554 601 640 559 569 727 764 689 company for Markel American Insurance Co. 266 266 266 266 266 355 355 355 37

Renters Policy Scenario 6 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Company Name Arundel City County Carroll Cecil Frederick Harford Howard Greater Meridian Security Insurance Co. 453 467 523 380 483 499 512 583 Baltimore Metropolitan Group Property and Casualty 623 586 481 484 495 588 600 593 Suburban Metropolitan Property and Casualty Ins. 373 394 283 310 353 421 476 449 Area Mutual Benefit Insurance Co. 209 236 236 209 209 320 320 320 Nationwide Insurance Co. of America 430 480 536 392 433 540 613 587 NGM Insurance Co. 298 350 388 311 290 432 432 432 Peninsula Insurance Co. 282 305 305 282 282 399 399 399 Penn National Insurance Co. 246 275 275 246 246 336 336 336 Rates Pharmacists Mutual Insurance Co. 201 197 183 168 226 306 259 259 Effective Praetorian Insurance Co. 303 303 303 303 303 419 419 419 as of Privilege Underwriters Reciprocal Exch. 415 418 462 415 470 676 592 592 8/1/2018 Progressive Specialty Insurance Co. 216 213 270 234 308 326 279 270 Safeco Insurance Co. of America 360 360 360 360 360 554 554 554 Selective Ins. Co. of South Carolina 212 242 385 160 226 255 215 219 n/a = Carriers State Farm Fire & Casualty Co. 172 185 226 127 150 169 197 169 that do not have Stillwater P & C Insurance Co. 338 431 405 344 509 480 375 386 rates Teachers Insurance Co. 165 165 165 131 131 176 176 219 available based Travelers Commercial Insurance Co. 256 414 407 308 291 472 442 411 on the criteria Travelers Home & Marine Insurance Co. 262 423 417 315 297 483 452 420 in the United Services Automobile Association 285 261 256 242 302 328 388 357 scenario. Unitrin Direct Property & Casualty Co. 269 310 276 248 282 334 341 334 Unitrin Safeguard Insurance Co. 221 240 210 219 197 231 245 305 Certain Universal Property & Casualty Ins. Co. 261 221 302 233 255 393 327 327 companies may USAA Casualty Insurance Co. 315 289 284 268 334 362 429 395 impose higher USAA General Indemnity Co. 254 233 228 216 269 293 346 319 and separate Vigilant Insurance Co. 213 226 256 195 234 405 370 343 wind/hail or Windsor Mt. Joy Mutual Insurance Co. 273 290 361 290 290 418 418 418 hurricane deductibles. Please contact your agent or company for 38

Homeowners Policy Scenario 1 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co. 813 679 1059 1429 490 1346 642 1222 Shore Allstate Vehicle & Property Insurance Co. 883 918 1025 1298 847 1399 891 1368 (w/o Cecil) American National Property & Casualty Co. 938 868 955 1420 871 1631 897 1680 American Security Insurance Co. 1726 1425 1995 3049 1422 2710 1794 2854 American Strategic Insurance Corp. 997 1052 1152 1141 983 1560 936 1538 Amica Mutual Insurance Co. 1416 1442 1721 2422 1232 2360 1285 1858 Brethren Mutual Insurance Co. 564 413 621 910 n/a 766 390 809 Chubb National Insurance Co. 1006 1226 1330 1787 851 1785 1088 2053 Rates Cincinnati Insurance Co. 849 770 1062 1398 873 1366 1077 1595 Effective CSAA Affinity Insurance Co. 1178 1133 1364 1789 832 1776 1033 1472 as of Cumberland Mutual Fire Insurance Co. 708 658 834 1146 n/a 1151 635 1049 8/1/2018 Donegal Mutual Insurance Co. 962 910 1154 1528 628 1531 801 1185 Encompass Home/Auto Insurance Co. n/a n/a 1512 2137 n/a 1947 n/a 2147 Erie Insurance Co. 991 832 1346 1674 772 2118 1053 1288 n/a = Carriers Esurance Insurance Co. 767 n/a 878 1119 n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co. 812 726 1049 1399 612 1321 689 1189 rates Farmers Insurance Exchange 812 892 950 989 788 961 847 1064 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 762 817 895 1096 723 1311 827 1563 on the criteria Federal Insurance Co. 1229 1499 1630 2194 1035 2192 1329 2053 in the Frederick Mutual Insurance Co. 781 801 1031 1193 527 1364 623 1604 scenario. Garrison Property & Casualty Ins. Co. 1328 1323 1457 1704 1170 1644 1457 2096 Hartford Fire Insurance Co. 2152 2296 2225 3030 2169 2644 2164 3211 Certain Homesite Insurance Co. 824 1187 1203 1400 842 1705 1017 1583 companies may Horace Mann Insurance Co. 993 999 1186 1562 851 1520 942 1292 impose higher IDS Property Casualty Ins. Co. 894 743 1118 1431 921 1422 920 1348 and separate Liberty Insurance Corp. 1035 964 1058 1229 925 1495 1095 1608 wind/hail or Lititz Mutual Insurance Co. 827 751 981 1318 593 1246 700 1593 hurricane LM Insurance Corp. 1088 1013 1114 1291 969 1568 1154 1693 deductibles. Meridian Security Insurance Co. 1174 1058 1303 1801 889 1570 1239 1782 Please contact Metropolitan Group Property and Casualty 1470 1339 1829 2427 1015 2283 1280 1829 your agent or Metropolitan Property and Casualty Ins. 1376 1241 1741 2329 963 2192 1174 1741 company for Mutual Benefit Insurance Co. 1032 999 1277 1694 747 1644 891 1835 39

Homeowners Policy Scenario 1 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America 1216 1243 1808 1919 1241 2094 1351 2084 Shore NGM Insurance Co. 698 625 890 1223 465 1148 587 889 (w/o Cecil) Peninsula Insurance Co. 762 941 931 1270 663 1533 648 1093 Penn National Insurance Co. 861 873 1033 1306 719 1374 771 1301 Pharmacists Mutual Insurance Co. 847 773 1073 1410 637 1336 737 1039 Praetorian Insurance Co. 1214 n/a 1478 1714 n/a n/a 1048 1485 Privilege Underwriters Reciprocal Exch. 2960 1598 3611 3753 1362 3722 1550 2023 QBE Insurance Corp. 1020 1094 1191 1698 809 1776 1071 2711 Rates Safeco Insurance Co. of America 744 744 697 695 744 652 744 745 Effective Selective Ins. Co. of South Carolina 1279 1358 1488 1983 1110 1899 1075 1756 as of Standard Guaranty Insurance Co. 2035 1559 2326 3711 1539 2997 2090 3328 8/1/2018 State Farm Fire & Casualty Co. 1397 1273 1677 2036 1107 1945 1313 2090 Stillwater P & C Insurance Co. 1286 1207 1293 1720 1025 1965 1093 1854 Teachers Insurance Co. 847 823 1010 1325 703 1290 777 1258 n/a = Carriers Travelers Commercial Insurance Co. 664 880 759 1070 781 1458 841 2585 that do not have Travelers Home & Marine Insurance Co. 679 901 777 1096 799 1493 860 2649 rates United Services Automobile Association 1345 1348 1470 1719 1193 1666 1475 2124 available based Unitrin Direct Property & Casualty Co. 1073 1102 1243 1596 1399 1809 1470 2708 on the criteria Unitrin Safeguard Insurance Co. 814 945 925 1004 873 1008 1023 1295 in the Universal North America Insurance Co. 1087 954 1119 1583 845 1489 986 1393 scenario. Universal Property & Casualty Ins. Co. 802 803 996 1478 643 1366 704 1043 USAA Casualty Insurance Co. 1229 1240 1347 1584 1102 1544 1355 2002 Certain USAA General Indemnity Co. 1436 1424 1570 1819 1249 1743 1553 2086 companies may Vigilant Insurance Co. 1111 1351 1472 1980 936 1979 1200 2053 impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 40

Homeowners Policy Scenario 2 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co. 972 829 1167 1541 649 1441 793 1393 Shore Allstate Vehicle & Property Insurance Co. 821 877 951 1260 773 1301 855 1406 (w/o Cecil) American National Property & Casualty Co. 1129 1049 1119 1697 905 1866 1072 1890 American Security Insurance Co. 1892 1843 2060 3507 2015 3056 2111 3442 American Strategic Insurance Corp. 1137 1230 1242 1298 1114 1663 1095 1797 Amica Mutual Insurance Co. 1340 1362 1576 2153 1160 2165 1216 1683 Brethren Mutual Insurance Co. 617 487 657 948 372 782 463 887 Chubb National Insurance Co. 1092 1370 1313 1737 1049 1708 1235 2095 Rates Cincinnati Insurance Co. 846 772 988 1284 924 1216 1108 1528 Effective CSAA Affinity Insurance Co. 1124 1163 1318 1727 973 1694 1095 1464 as of Cumberland Mutual Fire Insurance Co. 773 716 855 1167 675 1160 690 1139 8/1/2018 Donegal Mutual Insurance Co. 933 932 1001 1368 737 1357 758 1066 Encompass Home/Auto Insurance Co. 1380 1566 1675 2575 n/a 2332 1550 2594 Erie Insurance Co. 787 711 990 1238 673 1531 873 1006 n/a = Carriers Esurance Insurance Co. 696 n/a 800 1137 n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co. 868 801 1035 1368 648 1267 769 1238 rates Farmers Insurance Exchange 682 747 776 867 693 818 709 891 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 854 909 924 1129 773 1330 915 1640 on the criteria Federal Insurance Co. 1336 1675 1610 2131 1281 2097 1508 2095 in the Frederick Mutual Insurance Co. 883 969 1091 1273 675 1476 734 1730 scenario. Garrison Property & Casualty Ins. Co. 1382 1436 1443 1714 1349 1651 1576 2225 Hartford Fire Insurance Co. 1857 2158 1822 2682 2155 2290 1915 3007 Certain Homesite Insurance Co. 863 1248 1181 1381 933 1628 1079 1621 companies may Horace Mann Insurance Co. 998 1026 1159 1517 860 1450 978 1301 impose higher IDS Property Casualty Ins. Co. 947 807 1163 1517 1065 1487 997 1467 and separate Liberty Insurance Corp. 1021 952 1018 1193 935 1156 1111 1602 wind/hail or Lititz Mutual Insurance Co. 969 918 1145 1485 766 1400 891 1922 hurricane LM Insurance Corp. 1076 1002 1073 1250 987 1219 1168 1688 deductibles. Meridian Security Insurance Co. 1249 1150 1317 1816 995 1570 1353 1920 Please contact Metropolitan Group Property and Casualty 1528 1436 1805 2381 1164 2209 1386 1862 your agent or Metropolitan Property and Casualty Ins. 1369 1310 1615 2211 1042 2048 1229 1712 company for Mutual Benefit Insurance Co. 1064 1065 1223 1538 859 1543 967 1721 41

Homeowners Policy Scenario 2 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America 1125 1184 1589 1739 1257 1874 1288 2001 Shore NGM Insurance Co. 731 677 880 1200 531 1104 650 911 (w/o Cecil) Peninsula Insurance Co. 803 961 885 1313 788 1452 724 1179 Penn National Insurance Co. 872 876 954 1176 729 1190 809 1155 Pharmacists Mutual Insurance Co. 933 868 1092 1411 753 1315 837 1090 Praetorian Insurance Co. 1232 n/a 1385 1812 n/a n/a 1125 1581 Privilege Underwriters Reciprocal Exch. 2619 1441 3124 3284 1284 3236 1436 1660 QBE Insurance Corp. 928 1157 1035 1665 867 1761 1003 2740 Rates Safeco Insurance Co. of America 567 567 530 528 565 496 567 567 Effective Selective Ins. Co. of South Carolina 1188 1233 1320 1694 1050 1587 1021 1494 as of Standard Guaranty Insurance Co. 2594 2039 2710 4269 2227 3381 2778 4017 8/1/2018 State Farm Fire & Casualty Co. 1140 1052 1268 1545 962 1454 1076 1656 Stillwater P & C Insurance Co. 1583 1544 1428 1795 1303 2076 1385 1977 Teachers Insurance Co. 851 845 987 1288 710 1231 806 1267 n/a = Carriers Travelers Commercial Insurance Co. 581 744 629 868 662 1163 764 2419 that do not have Travelers Home & Marine Insurance Co. 594 761 643 888 677 1191 781 2479 rates United Services Automobile Association 1397 1460 1453 1727 1371 1671 1591 2251 available based Unitrin Direct Property & Casualty Co. 1061 1073 1167 1540 1350 1698 1406 2449 on the criteria Unitrin Safeguard Insurance Co. 806 918 872 958 931 949 984 1296 in the Universal North America Insurance Co. 1225 1082 1185 1687 1028 1541 1141 1505 scenario. Universal Property & Casualty Ins. Co. 969 980 1151 1536 803 1549 859 1127 USAA Casualty Insurance Co. 1279 1345 1334 1592 1270 1547 1467 2125 Certain USAA General Indemnity Co. 1486 1537 1547 1825 1426 1747 1663 2202 companies may Vigilant Insurance Co. 1208 1513 1454 1923 1157 1893 1361 2095 impose higher Windsor Mt. Joy Mutual Insurance Co. 865 739 944 1383 803 1280 896 1151 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 42

Homeowners Policy Scenario 3 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co. 1010 878 1177 1521 723 1426 832 1388 Shore Allstate Vehicle & Property Insurance Co. 819 956 933 1323 842 1403 846 1465 (w/o Cecil) American National Property & Casualty Co. 1154 1171 1157 1805 1058 1995 1135 2062 American Security Insurance Co. 2189 2065 2307 3339 2388 3150 2507 3393 American Strategic Insurance Corp. 1028 1163 1116 1215 1071 1518 995 1701 Amica Mutual Insurance Co. 1488 1453 1747 2276 1245 2202 1356 1938 Brethren Mutual Insurance Co. 724 496 641 883 398 739 477 868 Chubb National Insurance Co. 1201 1470 1385 1749 1210 1634 1421 2206 Rates Cincinnati Insurance Co. 914 850 1046 1289 1038 1237 1189 1563 Effective CSAA Affinity Insurance Co. 1043 1058 1202 1549 941 1539 950 1327 as of Cumberland Mutual Fire Insurance Co. 844 796 908 1171 778 1196 766 1238 8/1/2018 Donegal Mutual Insurance Co. 884 964 1021 1484 865 1412 828 1152 Encompass Home/Auto Insurance Co. 1347 1584 1589 2351 1238 2219 1550 2632 Erie Insurance Co. 862 843 1046 1378 821 1750 1023 1169 n/a = Carriers Esurance Insurance Co. 706 n/a 817 1242 n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co. 967 905 1119 1424 751 1333 875 1480 rates Farmers Insurance Exchange 826 891 919 1059 830 1014 872 1075 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 866 949 921 1113 813 1303 971 1627 on the criteria Federal Insurance Co. 1450 1783 1678 2133 1462 1988 1724 2206 in the Frederick Mutual Insurance Co. 993 1068 1190 1326 802 1545 847 1771 scenario. Garrison Property & Casualty Ins. Co. 1313 1496 1353 1651 1438 1656 1511 2202 Hartford Fire Insurance Co. 1708 2320 1667 2543 2390 2374 1772 2963 Certain Homesite Insurance Co. 817 1262 1100 1307 995 1587 1035 1570 companies may Horace Mann Insurance Co. 974 1078 1118 1512 927 1456 946 1337 impose higher IDS Property Casualty Ins. Co. 993 854 1232 1548 1125 1546 1046 1542 and separate Liberty Insurance Corp. 1149 1070 1140 1348 1054 1313 1225 1695 wind/hail or Lititz Mutual Insurance Co. 1054 988 1215 1433 862 1381 954 1975 hurricane LM Insurance Corp. 1208 1128 1199 1420 1108 1381 1291 1784 deductibles. Meridian Security Insurance Co. 1301 1280 1351 1938 1144 1689 1391 1979 Please contact Metropolitan Group Property and Casualty 1452 1365 1661 2077 1176 1962 1323 1706 your agent or Metropolitan Property and Casualty Ins. 1333 1328 1555 2098 1137 2010 1215 1661 company for Mutual Benefit Insurance Co. 1031 1031 1152 1390 903 1387 958 1582 43

Homeowners Policy Scenario 3 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America 1125 1223 1550 1773 1353 1872 1263 2034 Shore NGM Insurance Co. 649 602 763 995 503 926 579 711 (w/o Cecil) Peninsula Insurance Co. 774 896 908 1212 758 1131 638 1138 Penn National Insurance Co. 842 843 907 1126 738 1116 797 1128 Pharmacists Mutual Insurance Co. 1413 1361 1544 1806 1276 1727 1335 1545 Praetorian Insurance Co. 1232 n/a 1385 1595 n/a n/a 1140 1422 Privilege Underwriters Reciprocal Exch. 1920 1092 2223 2643 1069 2305 1088 1330 QBE Insurance Corp. 1032 1348 1115 1618 1057 1913 1110 2540 Rates Safeco Insurance Co. of America 1076 1088 1003 979 1088 920 1076 1084 Effective Selective Ins. Co. of South Carolina 1199 1291 1304 1659 1119 1568 1056 1515 as of Standard Guaranty Insurance Co. 2883 2304 2917 4415 2667 3530 3170 4302 8/1/2018 State Farm Fire & Casualty Co. 1126 1107 1220 1546 1045 1444 1108 1644 Stillwater P & C Insurance Co. 1549 1574 1343 1763 1468 2079 1380 1832 Teachers Insurance Co. 836 894 958 1290 772 1243 787 1302 n/a = Carriers Travelers Commercial Insurance Co. 652 833 731 1042 782 1340 933 2914 that do not have Travelers Home & Marine Insurance Co. 667 853 748 1067 800 1372 955 2987 rates United Services Automobile Association 1325 1519 1361 1662 1460 1676 1523 2232 available based Unitrin Direct Property & Casualty Co. 1151 1172 1271 1654 1482 1790 1558 2582 on the criteria Unitrin Safeguard Insurance Co. 766 909 826 944 926 947 929 1287 in the Universal North America Insurance Co. 1107 1053 1073 1572 1036 1467 1058 1442 scenario. Universal Property & Casualty Ins. Co. 1120 1135 1304 1663 962 1703 1004 1265 USAA Casualty Insurance Co. 1217 1400 1253 1534 1354 1551 1409 2108 Certain USAA General Indemnity Co. 1407 1602 1447 1758 1518 1758 1589 2175 companies may Vigilant Insurance Co. 1319 1615 1525 1932 1327 1802 1561 2206 impose higher Windsor Mt. Joy Mutual Insurance Co. 898 790 950 1334 908 1247 953 1166 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 44

Homeowners Policy Scenario 4 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co. 1174 1073 1332 1729 913 1631 994 1714 Shore Allstate Vehicle & Property Insurance Co. 882 1019 984 1116 903 1179 910 1596 (w/o Cecil) American National Property & Casualty Co. 1201 1318 1177 1758 1215 2142 1192 2297 American Security Insurance Co. 2572 2171 2652 4437 2605 3132 2999 3886 American Strategic Insurance Corp. 1106 1300 1168 1348 1239 1606 1080 2001 Amica Mutual Insurance Co. 1739 1627 2013 2543 1382 2388 1572 2157 Brethren Mutual Insurance Co. 869 707 871 1162 584 978 684 1175 Chubb National Insurance Co. 1438 1801 1625 2040 1540 1918 1733 2616 Rates Cincinnati Insurance Co. 974 1071 1082 1554 1343 1495 1307 1945 Effective CSAA Affinity Insurance Co. 1283 1281 1453 1919 1105 1799 1179 1694 as of Cumberland Mutual Fire Insurance Co. 987 996 1042 1416 964 1445 898 1509 8/1/2018 Donegal Mutual Insurance Co. 957 989 1052 1625 846 1468 865 1213 Encompass Home/Auto Insurance Co. 1800 2206 2105 3115 1762 2765 2055 3342 Erie Insurance Co. 980 946 1170 1482 902 1856 1126 1268 n/a = Carriers Esurance Insurance Co. 750 n/a 866 1250 n/a n/a n/a n/a that do not have Everett Cash Mutual Insurance Co. 1240 1172 1410 1749 1003 1648 1138 1862 rates Farmers Insurance Exchange 694 847 800 1055 832 1013 731 1072 available based Farmers Mutual Fire Ins. Co. of Salem Cnty. 970 1110 1014 1285 996 1517 1082 1892 on the criteria Federal Insurance Co. 1745 2192 1978 2491 1872 2338 2108 2616 in the Frederick Mutual Insurance Co. 1136 1174 1368 1604 884 1713 970 2186 scenario. Garrison Property & Casualty Ins. Co. 1349 1648 1377 1721 1626 1774 1613 2436 Hartford Fire Insurance Co. 1665 1780 1580 2224 1828 1802 1740 2655 Certain Homesite Insurance Co. 800 1203 1083 1286 980 1441 1012 1583 companies may Horace Mann Insurance Co. 1169 1280 1319 1757 1103 1658 1152 1587 impose higher IDS Property Casualty Ins. Co. 891 944 1060 1699 1241 1637 922 1736 and separate Liberty Insurance Corp. 1211 1128 1181 1379 1148 1351 1357 1929 wind/hail or Lititz Mutual Insurance Co. 1105 1150 1228 1536 976 1481 1023 2222 hurricane LM Insurance Corp. 1268 1189 1240 1457 1206 1420 1430 2030 deductibles. Meridian Security Insurance Co. 1352 1386 1373 2018 1268 1784 1467 2057 Please contact Metropolitan Group Property and Casualty 1749 1649 1989 2508 1421 2341 1599 2037 your agent or Metropolitan Property and Casualty Ins. 1617 1552 1878 2447 1301 2285 1456 1986 company for Mutual Benefit Insurance Co. 1103 1150 1222 1608 1014 1526 1030 1861 45

Homeowners Policy Scenario 4 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Nationwide Insurance Co. of America 1118 1268 1530 1860 1447 1905 1276 2129 Shore NGM Insurance Co. 936 880 1079 1363 737 1278 851 988 (w/o Cecil) Peninsula Insurance Co. 815 804 939 1237 655 1076 746 1188 Penn National Insurance Co. 903 983 970 1317 879 1290 868 1350 Pharmacists Mutual Insurance Co. 1179 1150 1320 1644 1067 1557 1094 1350 Praetorian Insurance Co. 1348 1324 1499 1739 1106 1754 1261 1575 Privilege Underwriters Reciprocal Exch. 2121 1309 2513 3865 1280 3467 1201 1565 QBE Insurance Corp. 991 1192 1072 1555 947 1698 1095 2630 Rates Safeco Insurance Co. of America 1044 1164 974 1052 1168 985 1044 1164 Effective Selective Ins. Co. of South Carolina 1420 1441 1521 1932 1274 1728 1247 1756 as of Standard Guaranty Insurance Co. 3394 2742 3355 4925 3296 3969 3799 4931 8/1/2018 State Farm Fire & Casualty Co. 1246 1307 1351 1836 1295 1722 1226 1945 Stillwater P & C Insurance Co. 1568 1590 1384 1957 1519 2141 1448 2063 Teachers Insurance Co. 1000 1058 1128 1496 915 1412 954 1545 n/a = Carriers Travelers Commercial Insurance Co. 625 904 680 1072 867 1439 866 3280 that do not have Travelers Home & Marine Insurance Co. 639 926 696 1098 888 1474 886 3362 rates United Services Automobile Association 1360 1665 1383 1729 1642 1787 1623 2463 available based Unitrin Direct Property & Casualty Co. 1257 1291 1347 1815 1639 1889 1703 2965 on the criteria Unitrin Safeguard Insurance Co. 705 1043 757 1055 1048 1110 872 1418 in the Universal North America Insurance Co. 1357 1250 1296 1872 1247 1687 1294 1676 scenario. Universal Property & Casualty Ins. Co. 1308 1258 1490 1897 1074 1787 1180 1507 USAA Casualty Insurance Co. 1253 1534 1278 1601 1526 1653 1509 2337 Certain USAA General Indemnity Co. 1432 1745 1459 1815 1690 1865 1673 2380 companies may Vigilant Insurance Co. 1584 1983 1793 2253 1694 2117 1907 2616 impose higher Windsor Mt. Joy Mutual Insurance Co. 1141 1013 1184 1624 1210 1526 1234 1455 and separate wind/hail or hurricane deductibles. Please contact your agent or company for 46

Condominium Policy Scenario 5 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co. 391 327 327 263 327 263 327 277 Shore Allstate Insurance Co. 386 366 363 270 338 273 338 384 (w/o Cecil) American Bankers Insurance Co. of FL 521 467 467 373 451 373 451 467 American National Property & Casualty Co. 415 359 328 245 412 331 412 608 American Strategic Insurance Corp. 634 586 500 438 585 450 497 533 Amica Mutual Insurance Co. 528 442 442 346 435 346 435 460 Brethren Mutual Insurance Co. 236 187 187 154 190 150 166 261 Chubb National Insurance Co. 407 395 383 220 326 220 326 320 Rates Cincinnati Insurance Co. 201 199 199 176 188 176 188 195 Effective CSAA Affinity Insurance Co. 291 257 257 204 246 204 246 308 as of Cumberland Mutual Fire Insurance Co. 821 690 680 519 700 526 679 967 8/1/2018 Donegal Mutual Insurance Co. 354 294 294 230 284 230 284 307 Encompass Home/Auto Insurance Co. 418 351 343 262 345 262 345 422 Erie Insurance Co. 541 581 448 347 618 272 423 339 n/a = Carriers Everett Cash Mutual Insurance Co. 526 440 440 328 426 328 426 809 that do not have Farmers Insurance Exchange 270 264 264 226 247 226 247 290 rates Farmers Mutual Fire Ins. Co. of Salem Cnty. 532 456 459 383 456 381 452 612 available based Federal Insurance Co. 435 414 404 234 345 234 345 340 on the criteria Frederick Mutual Insurance Co. 511 443 443 333 424 333 424 457 in the Garrison Property & Casualty Ins. Co. 399 385 336 284 393 292 391 351 scenario. Hartford Fire Insurance Co. 551 480 480 406 476 406 476 476 Homesite Insurance Co. of the Midwest 699 595 595 469 584 469 584 590 Certain Horace Mann Insurance Co. 200 191 191 179 179 179 179 179 companies may IDS Property Casualty Ins. Co. 550 398 419 299 465 300 417 461 impose higher Liberty Insurance Corp. 685 613 613 483 584 483 584 597 and separate Lititz Mutual Insurance Co. 431 370 370 293 363 293 363 368 wind/hail or LM Insurance Corp. 719 639 639 505 611 505 611 626 hurricane Meridian Security Insurance Co. 465 412 418 352 448 337 468 525 deductibles. Metropolitan Group Property and Casualty 468 446 446 378 429 378 429 429 Please contact Metropolitan Property and Casualty Ins. 459 404 404 317 388 317 388 388 your agent or Mutual Benefit Insurance Co. 374 313 313 229 301 229 301 301 company for Nationwide Insurance Co. of America 350 419 237 271 335 268 428 493 47

Condominium Policy Scenario 5 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern NGM Insurance Co. 255 218 218 155 207 155 207 215 Shore Peninsula Insurance Co. 433 370 370 282 358 282 358 379 (w/o Cecil) Penn National Insurance Co. 275 249 249 200 237 200 237 237 Pharmacists Mutual Insurance Co. 428 390 390 318 433 318 375 453 Praetorian Insurance Co. 702 632 632 515 597 540 621 622 Privilege Underwriters Reciprocal Exch. 717 552 552 388 552 388 552 555 Safeco Insurance Co. of America 663 576 576 455 560 455 560 560 Selective Ins. Co. of South Carolina 300 286 264 220 260 213 257 251 Rates State Farm Fire & Casualty Co. 356 306 306 241 298 241 298 314 Effective Stillwater P & C Insurance Co. 750 634 639 533 641 531 630 575 as of Teachers Insurance Co. 196 191 191 179 179 179 179 179 8/1/2018 Travelers Commercial Insurance Co. 491 503 376 308 450 394 429 424 Travelers Home & Marine Insurance Co. 503 515 385 314 461 403 438 434 United Services Automobile Association 416 404 349 294 414 304 410 386 n/a = Carriers Unitrin Direct Property & Casualty Co. 496 421 417 311 488 323 488 613 that do not have Unitrin Safeguard Insurance Co. 246 280 259 249 299 259 299 300 rates Universal Property & Casualty Ins. Co. 381 349 349 279 331 279 331 385 available based USAA Casualty Insurance Co. 415 401 348 293 411 302 407 373 on the criteria USAA General Indemnity Co. 346 337 295 252 343 259 342 313 in the Vigilant Insurance Co. 435 414 404 234 345 234 345 340 scenario. Windsor Mt. Joy Mutual Insurance Co. 604 466 457 370 616 370 564 528 Certain companies may impose higher and separate wind/hail or hurricane deductibles. Please contact your agent or company for 48

Renters Policy Scenario 6 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern AIG Property Casualty Co. 292 381 381 292 292 292 292 253 Shore Allstate Insurance Co. 279 416 413 279 281 281 281 287 (w/o Cecil) American Bankers Insurance Co. of FL 343 469 469 343 343 343 343 343 American Family Home Insurance Co. 465 675 675 465 465 465 465 465 American Modern Home Insurance Co. 348 538 538 348 348 348 348 348 American National Property & Casualty Co. 1113 298 266 203 291 291 291 456 American Strategic Insurance Corp. 274 364 321 304 279 252 254 266 Amica Mutual Insurance Co. 196 269 269 196 196 196 196 196 Rates Brethren Mutual Insurance Co. 208 196 196 150 150 150 150 178 Effective Century National Insurance Co. 273 371 371 273 273 273 273 273 as of Chubb National Insurance Co. 231 411 398 231 238 231 238 234 8/1/2018 Cincinnati Insurance Co. 103 143 143 103 103 103 103 103 CSAA Affinity Insurance Co. 179 227 227 179 179 179 179 169 Cumberland Mutual Fire Insurance Co. 246 345 335 239 258 246 246 295 n/a = Carriers Donegal Mutual Insurance Co. 251 352 352 251 251 251 251 317 that do not have Encompass Home/Auto Insurance Co. 329 436 438 329 326 329 326 361 rates Erie Insurance Co. 298 479 374 293 397 232 280 230 available based Everett Cash Mutual Insurance Co. 239 334 334 239 239 239 239 446 on the criteria Farmers Insurance Exchange 292 397 397 292 292 292 292 335 in the Farmers Mutual Fire Ins. Co. of Salem Cnty. 196 261 263 198 231 196 193 224 scenario. Federal Insurance Co. 242 433 417 242 251 242 251 246 First American Property & Casualty Ins. Co. 250 391 391 250 250 250 250 250 Certain Frederick Mutual Insurance Co. 178 260 260 178 178 178 178 315 companies may Garrison Property & Casualty Ins. Co. 260 369 375 279 370 275 370 756 impose higher Hartford Fire Insurance Co. 166 214 214 166 166 166 166 166 and separate Homesite Insurance Co. of the Midwest 301 424 424 301 301 301 301 309 wind/hail or Horace Mann Insurance Co. 141 189 189 141 141 141 141 179 hurricane IDS Property Casualty Ins. Co. 272 320 360 272 297 272 275 272 deductibles. Liberty Insurance Corp. 544 710 710 544 544 544 544 533 Please contact Lititz Mutual Insurance Co. 212 295 295 212 212 212 212 247 your agent or LM Insurance Corp. 571 745 745 571 571 571 571 561 company for Markel American Insurance Co. 266 355 355 266 266 266 266 266 49

Renters Policy Scenario 6 21629 21613 21620 21617 21853 21601 21804 21811 Queen Company Name Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Meridian Security Insurance Co. 407 541 516 403 420 391 446 422 Shore Metropolitan Group Property and Casualty 460 559 559 460 460 460 460 460 (w/o Cecil) Metropolitan Property and Casualty Ins. 325 441 441 325 325 325 325 325 Mutual Benefit Insurance Co. 209 320 320 209 209 209 209 209 Nationwide Insurance Co. of America 437 690 711 455 558 564 526 542 NGM Insurance Co. 290 404 404 290 290 290 290 298 Peninsula Insurance Co. 282 399 399 282 282 282 282 305 Penn National Insurance Co. 246 336 336 246 246 246 246 246 Rates Pharmacists Mutual Insurance Co. 176 259 259 176 223 176 176 238 Effective Praetorian Insurance Co. 303 419 419 303 303 303 303 303 as of Privilege Underwriters Reciprocal Exch. 470 676 676 470 470 470 470 472 8/1/2018 Progressive Specialty Insurance Co. 274 364 321 304 279 252 254 266 Safeco Insurance Co. of America 360 554 554 360 360 360 360 360 Selective Ins. Co. of South Carolina 244 325 306 241 242 227 226 213 n/a = Carriers State Farm Fire & Casualty Co. 150 199 199 150 150 150 150 178 that do not have Stillwater P & C Insurance Co. 380 460 508 405 371 364 364 335 rates Teachers Insurance Co. 131 176 176 131 131 131 131 165 available based Travelers Commercial Insurance Co. 250 476 416 312 403 394 355 544 on the criteria Travelers Home & Marine Insurance Co. 256 487 425 319 412 404 363 558 in the United Services Automobile Association 263 374 380 284 376 279 376 763 scenario. Unitrin Direct Property & Casualty Co. 274 366 359 269 332 282 332 410 Unitrin Safeguard Insurance Co. 170 247 231 178 234 188 238 197 Certain Universal Property & Casualty Ins. Co. 255 357 357 255 255 255 255 288 companies may USAA Casualty Insurance Co. 291 410 420 313 412 308 412 803 impose higher USAA General Indemnity Co. 236 337 340 253 339 250 339 723 and separate Vigilant Insurance Co. 242 433 417 242 251 242 251 246 wind/hail or Windsor Mt. Joy Mutual Insurance Co. 273 363 354 273 364 273 328 302 hurricane deductibles. Please contact your agent or company for 50

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 www.aig.com Allstate Insurance Co. 866-621-6900 www.allstate.com Allstate Vehicle & Property Insurance Co. 866-621-6900 www.allstate.com American Bankers Insurance Co. of FL 800-852-2244 www.assurant.com American Family Home Insurance Co. 800-759-9008 www.amig.com American Modern Home Insurance Co. 800-759-9008 www.amig.com American National Property & Casualty Co. 800-843-3276 www.americannational.com American Security Insurance Co. 800-852-2244 www.assurant.com American Strategic Insurance Corp. 866-274-8765 www.americanstrategic.com Amica Mutual Insurance Co. 800-242-6422 www.amica.com Brethren Mutual Insurance Co. 800-621-4264 www.bmic.com Century National Insurance Co. 800-462-2123 www.nationalgeneral.com Chubb National Insurance Co. 866-324-8222 www.chubb.com Cincinnati Insurance Co. See Yellow Pages www.cinfin.com CSAA Affinity Insurance Co. 888-222-0094 http://midatlantic.aaa.com/insurance/insurewithaaa Cumberland Mutual Fire Insurance Co. 800-232-6992 www.cumberlandgroup.com Donegal Mutual Insurance Co. 800-877-0600 www.donegalgroup.com Encompass Home/Auto Insurance Co. 800-588-7400 www.encompassinsurance.com Erie Insurance Co. 800-458-0811 www.erieinsurance.com Esurance Insurance Co. 800-ESURANCE www.esurance.com Everett Cash Mutual Insurance Co. 800-326-4968 www.everettcash.com Farmers Insurance Exchange 888-327-6335 www.farmers.com Farmers Mutual Fire Ins. Co. of Salem Cnty. 800-498-0954 www.farmersofsalem.com Federal Insurance Co. 866-324-8222 www.chubb.com First American Property & Casualty Ins. Co. 866-654-9900 www.fapcig.com Frederick Mutual Insurance Co. 800-544-8737 www.frederickmutual.com Garrison Property & Casualty Ins. Co. 800-531-8722 www.usaa.com Hartford Fire Insurance Co. 888-413-8970 www.thehartford.com Homesite Insurance Co. 800-466-3748 www.homesite.com Homesite Insurance Co. of the Midwest 800-466-3748 www.homesite.com Horace Mann Insurance Co. 800-999-1030 www.horacemann.com IDS Property Casualty Ins. Co. 800-842-3344 www.ameriprise.com/autohome Liberty Insurance Corp. 800-837-5254 www.libertymutual.com 51

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. 800-626-4751 www.lititzmutual.com LM Insurance Corp. 800-837-5254 www.libertymutual.com Markel American Insurance Co. 800-236-2862 n/a Meridian Security Insurance Co. 800-444-9950 www.stateauto.com Metropolitan Group Property and Casualty 800-422-4272 www.metlife.com Metropolitan Property and Casualty Ins. 800-422-4272 www.metlife.com Mutual Benefit Insurance Co. 800-283-3531 www.mutualbenefitgroup.com Nationwide Insurance Co. of America 888-890-4630 www.nationwide.com NGM Insurance Co. 800-226-0875 www.msagroup.com Peninsula Insurance Co. 800-492-1205 www.peninsulainsurance.com Penn National Insurance Co. 800-766-2245 www.pennnationalinsurance.com Pharmacists Mutual Insurance Co. 800-247-5930 www.phmic.com Praetorian Insurance Co. 866-318-2016 www.qbena.com Privilege Underwriters Reciprocal Exch. 888-813-7873 www.pureinsurance.com Progressive Specialty Insurance Co. 866-274-8765 www.americanstrategic.com QBE Insurance Corp. 866-318-2016 www.qbena.com Safeco Insurance Co. of America 800-332-3226 www.safeco.com Selective Ins. Co. of South Carolina 800-777-9656 www.selective.com Standard Guaranty Insurance Co. 800-852-2244 www.assurant.com State Farm Fire & Casualty Co. See Yellow Pages www.statefarm.com Stillwater P & C Insurance Co. 800-849-6140 www.stillwater.com Teachers Insurance Co. 800-999-1030 www.horacemann.com Travelers Commercial Insurance Co. 888-695-4625 www.travelers.com Travelers Home & Marine Insurance Co. 888-695-4625 www.travelers.com United Services Automobile Association 800-531-8722 www.usaa.com Unitrin Direct Property & Casualty Co. 800-437-8394 www.kemperdirect.com Unitrin Safeguard Insurance Co. 877-252-7878 www.ekemper.com Universal North America Insurance Co. 800-905-7550 www.arrowheadgrp.com Universal Property & Casualty Ins. Co. 800-425-9113 www.universalproperty.com USAA General Indemnity Co. 800-531-8722 www.usaa.com USAA Property & Casualty Insurance Co. 800-531-8722 www.usaa.com Vigilant Insurance Co. 866-324-8222 www.chubb.com Windsor Mt. Joy Mutual Insurance Co. 800-233-0228 www.windsormountjoy.com 52

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

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

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

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

How to File a Complaint Consumers may contact the Maryland Insurance Administration to file a complaint against an insurance company, agent, or broker. Complaints must be received in writing or filed on-line using the agency s website, www.insurance.maryland.gov. Under Consumers, you will find a link entitled File A Complaint. This page describes the process and provides instructions for filing a complaint. Please provide as much detail as possible, including copies of pertinent documents. A trained, professional investigator will handle your complaint. The investigator will contact the company/agent/broker and try to resolve the issue. In the meantime, you will be advised of the steps being taken on your behalf. Complaint files are not closed until the Insurance Administration has made a determination regarding the complaint. 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 410-468-2340 or 800-492-6116 ext. 2340. Participation in the Rapid Response Program is voluntary and does not affect your right to file a formal complaint. Important Contact Information for Homeowners Insurance: General Information 410-468-2000 or 1-800-492-6116 TTY 1-800-735-2258 E-mail: miaweb@maryland.gov Website: www.insurance.maryland.gov Complaints Fax: 410-468-2307 (or 2334) 57

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 21202 410-468-2000 800-492-6116 800-735-2258 TTY www.insurance.maryland.gov www.facebook.com/mdinsuranceadmin MIA-HO-2