MD Insurance Bulletin 08-14
Homeowners and Private Passenger Automobile Rate Guides
MARTIN O’MALLEY
GOVERNOR
ANTHONY G. BROWN
LIEUTENANT GOVERNOR
RALPH S. TYLER
COMMISSIONER
BETH SAMMIS
DEPUTY COMMISSIONER
P. RANDI JOHNSON
ASSOCIATE COMMISSIONER
Property & Casualty
STATE OF MARYLAND
MARYLAND INSURANCE ADMINISTRATION
525 St. Paul Place, Baltimore, Maryland 21202-2272
Bulletin 08-14
Date
June 10, 2008
To:
Select Property and Casualty Insurers
Re:
Homeowners Insurance Rate Guide
Private Passenger Automobile Insurance RateGuide
*****************************************************************************
Pursuant to §19-112 of the Insurance Article, the Maryland Insurance Administration (“MIA”)
hereby requests each property and casualty insurer to provide information related to homeowners
insurance and private passenger automobile (“PPA”) insurance premiums. This information is
necessary for the MIA to publish rate comparison guides for consumers.
Submit annual premiums effective as of August 1, 2008, based on the scenarios shown on the
enclosed “Homeowners Premium Scenarios” and “PPA Premium Scenarios” for each designated
zip code/county.
Provide the requested information in the Excel spreadsheet formats shown in the attached
“Homeowners Excel Format” and “PPA Excel Format” exhibits.
In order to expedite this process, email transmission is mandatory. No paper documents will be
accepted. If unable to email, please send the information on a CD or diskette to:
Mr. Linas Glemza
Property & Casualty Unit
Maryland Insurance Administration
525 St Paul Place
Baltimore, MD 21202
Property and Casualty Bulletin
Page 2
If you have any questions, please contact Linas Glemza at (410) 468-2044, or by email at
lglemza@mdinsurance.state.md.us.
Please provide this information no later than July 18, 2008. In addition, please refer to the next
page for a listing of revisions to this premium comparison request.
Ralph S. Tyler
Insurance Commissioner
By: ________________________________________
Randi Johnson
Associate Commissioner
Property & Casualty
Enclosures: Homeowners Premium Scenarios
Homeowners Excel Format
PPA Premium Scenarios
PPA Excel Format
Data and File Requirements
August 2008
Property and Casualty Bulletin
Page 3
SUMMARY OF REVISIONS – August 2008
The following is new:
There are no revisions to this edition of the rate guide specifications.
August 2008
Property and Casualty Bulletin
Page 4
Homeowners Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the columns
in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME)
(E)
LEAVE BLANK
(F)
Category of Risk (can vary by scenario). See page 1 of the Homeowners
Rate Guide Scenarios.
1 - if Preferred/Better than average risk
2 - if Standard/Average risk
3 - if Non-Standard/Below average risk
(G)
Scenario Code 1 through 6 as defined in the Homeowners Rate Guide
Scenarios.
For Each scenario code:
(H)
Annual Premium for zip code 21502
(I)
Annual Premium for zip code 21401
(J)
Annual Premium for zip code 21218
(K)
Annual Premium for zip code 21117
(L)
Annual Premium for zip code 20678
(M)
Annual Premium for zip code 21629
(N)
Annual Premium for zip code 21157
(O)
Annual Premium for zip code 21921
(P)
Annual Premium for zip code 20603
(Q)
Annual Premium for zip code 21613
(R)
Annual Premium for zip code 21701
(S)
Annual Premium for zip code 21550
(T)
Annual Premium for zip code 21014
(U)
Annual Premium for zip code 21044
(V)
Annual Premium for zip code 21620
(W)
Annual Premium for zip code 20855
(X)
Annual Premium for zip code 20769
(Y)
Annual Premium for zip code 21617
(Z)
Annual Premium for zip code 21853
(AA)
Annual Premium for zip code 20650
(AB)
Annual Premium for zip code 21601
(AC)
Annual Premium for zip code 21740
(AD)
Annual Premium for zip code 21804
(AE)
Annual Premium for zip code 21811
August 2008
Property and Casualty Bulletin
Page 5
PPA Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the
columns in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME)
(E)
Insert an asterisk (*) if credit history is used in rating, otherwise, leave
blank.
(F)
Category of Risk (can vary by scenario). See page 1 of the PPA
Rate Guide Scenarios.
1 - if Preferred/Better than average risk
2 - if Standard/Average risk
3 - if Non-Standard/Below average risk
(G)
Scenario Code (1 through 12)
As defined in the PPA Rate Guide Scenarios.
For each scenario code:
(H)
Annual Premium for zip code 21502
(I)
Annual Premium for zip code 21401
(J)
Annual Premium for zip code 21218
(K)
Annual Premium for zip code 21117
(L)
Annual Premium for zip code 20678
(M)
Annual Premium for zip code 21629
(N)
Annual Premium for zip code 21157
(O)
Annual Premium for zip code 21921
(P)
Annual Premium for zip code 20603
(Q)
Annual Premium for zip code 21613
(R)
Annual Premium for zip code 21701
(S)
Annual Premium for zip code 21550
(T)
Annual Premium for zip code 21014
(U)
Annual Premium for zip code 21044
(V)
Annual Premium for zip code 21620
(W)
Annual Premium for zip code 20855
(X)
Annual Premium for zip code 20769
(Y)
Annual Premium for zip code 21617
(Z)
Annual Premium for zip code 21853
(AA)
Annual Premium for zip code 20650
(AB)
Annual Premium for zip code 21601
(AC)
Annual Premium for zip code 21740
(AD)
Annual Premium for zip code 21804
(AE)
Annual Premium for zip code 21811
August 2008
Property and Casualty Bulletin
Page 6
DATA and FILE Requirements
Requirements:
1)
ALL ENTRIES MUST IN NUMERIC FORMAT, except for Columns D and E.
Column C can now be formatted in date format.
2)
Fill Columns (H) through (AE) with N/A if rates are not available for the scenario.
3)
For the Premiums, use numeric format (zero decimal places). Round off to whole
numbers.
4)
The Homeowners and Auto submissions MUST be in separate files.
5)
Filing naming convention
a) File name should contain NAIC group code (or NAIC Company code if group
code is zero). Using company name is an acceptable alternative.
b) The file name must also contain the letters “PPA” or “HO”, whichever applies.
c) There are no other specific requirements for naming convention.
6)
Spreadsheet detail requirements:
a) Arial font with font size of 12. Use default color of black;
b) Do not use 1000 separator (i.e. comma);
c) Premiums must be rounded to ZERO decimal places;
d) Do not use currency format;
e) Except for Company name and the asterisk for credit use, all other cells must
be in numeric format. Do not use all caps for company name;
f) Do not submit formulas;
g) Row height is 12.75 (Excel default). Company name column width MUST be
set to 34.14. Company name must fit within this setting. There are no specific
width requirements for the remaining columns;
h) Do not activate “Wrap Text”;
i) Do not use borders or colored/highlighted cells;
j) The Effective Date of Rates is to be formatted in date format.
For any other formatting issue, use the Excel default parameters.
7)
We allow companies to submit disclaimers to their submissions. Due to space
limitations, please keep it brief. Place disclaimers on the same spreadsheet page as
the premiums. Do not place any symbols next to premiums to explain a disclaimer.
August 2008
Property and Casualty Bulletin
Page 7
8)
On a separate spreadsheet, provide the following information:
Column A - Contact Name
Column B - Company Name
Column C - Company Address 1 (can also be Department name)
Column D - Company Address 2
Column E - City/State/Zip
Column F - Phone number
Column G - Fax number
Column H - Email address of contact name. DO NOT SUBMIT THIS
In HTML format. Text only.
Column I - An 800/888/866 (toll free) that your company uses for
customer/consumer inquiries.
Column J - website address for customer/consumer inquiries. DO NOT
SUBMIT in HTML format. Text only.
For column I, if your company does not have a phone number for this purpose, please
use the phrase “See Yellow Pages”.
August 2008
Homeowners Rate Guide Scenarios – August 2008
Provide premiums, effective August 1, 2008, based on the attached scenarios and instructions for each designated zipcode (county, city/town) by July 18, 2008.
Provide the requested information in the Excel spreadsheet format as shown on the enclosed “Homeowners Excel Format”.
Provide annual premiums for the insurer’s rating territory that most closely corresponds to the county/city or to the zip code designated for that county/city.
Provide the total policy premium for each rating scenario for the noted geographic locations.
Provide coverage under Special Form HO-3. Dollar values indicated in the scenarios are “insured for” values. If Special Form HO-3 is not offered by the
company, than report rates for the company’s most comparable coverage. Explain the details of the substitution. Attach an addendum if necessary.
If your company has multiple tiers, determine tier placement by the information provided in the rating scenarios. If a scenario does not provide sufficient
information for tier placement, place the subject of the scenario in the middle or standard tier.
Calculate the homeowners, condominium, and renters premiums without applying any discounts or surcharges.
Water & Sewer Endorsement: Provide the maximum limit of coverage offered and the premium associated with that limit pursuant to §19-201.
Please round off to whole dollars.
Scenarios 1 – 4: Homeowners Policy Scenarios
Rate all Scenarios using 1 to 2 Family Units
Zip Code / County
Scenario 1
Scenario 2
Scenario 3
Scenario 4
21502 – Allegany
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21401 - Anne Arundel
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 350,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value – 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
August 2008
1
21218 - Baltimore City
Home Value - 100,000
Frame
Protection Class 1
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 150,000
Frame
Protection Class 1
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 1
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value – 200,000
Frame
Protection Class 1
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21117- Baltimore
County
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20678 - Calvert
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21629 - Caroline
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
August 2008
2
21157 - Carroll
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 350,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21921 Cecil
Home Value - 125,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 350,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20603 Charles
Home Value - 100,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21613 - Dorchester
Home Value - 225,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 450,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21701 - Frederick
Home Value -150,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 300,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
August 2008
3
21550 - Garrett
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21014 - Harford
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 225,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 325,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21044 - Howard
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21620 - Kent
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20855 - Montgomery
Home Value - 225,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 450,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
August 2008
4
20769 - Prince
George's
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21617 – Queen Anne’s
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21853 - Somerset
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20650 St. Mary's
Home Value - 125,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 350,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21601 - Talbot
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
August 2008
5
21740 - Washington
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21804 - Wicomico
Home Value - 100,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21811 - Worcester
Home Value - 100,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
August 2008
6
Scenario 5: Condominium Policy
Rate all Scenarios using Frame Construction
Zip Code
/ County
Scenario
Zip Code /
County
Scenario
Zip Code /
County
Scenario
21502 -
Alleghany
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
20603 -
Charles
Replacement Cost for Coverage
C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
20769 - Prince
George's
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21401 -
Anne
Arundel
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21613 -
Dorchester
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21617 – Queen
Annes’s
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21218-
Baltimore
City
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 1
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21701 -
Frederick
Replacement Cost for Coverage
C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21853 -
Somerset
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21117 –
Baltimore
County
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21550 -
Garrett
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
20650 St
Mary’s
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
August 2008
7
Zip Code
/ County
Scenario
Zip Code /
County
Scenario
Zip Code /
County
Scenario
20678 -
Calvert
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21014 -
Harford
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21601 Talbot
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21629-
Caroline
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21044 -
Howard
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21740
Washington
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21157 -
Carroll
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21620 - Kent
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21804
Wicomico
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
21921 -
Cecil
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
20855 -
Montgomery
Replacement Cost for Coverage
C
Coverage C Amount = $125,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
21811
Worcester
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage
August 2008
8
Scenario 6: Renters Policy
Rate all Scenarios using Frame Construction
Zip Code
/ County
Scenario
Zip Code /
County
Scenario
Zip Code /
County
Scenario
21502 -
Allegany
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
20603 - Charles
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
20769 - Prince
George's
Replacement Cost for
Coverage C
Coverage C Amount =
$75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21401 -
Anne
Arundel
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21613 -
Dorchester
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21617 – Queen
Anne’s
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21218 -
Baltimore
City
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 1
$500 - Deductible
$100,000 Liability
21701 - Frederick
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21853 -
Somerset
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21117-
Baltimore
County
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21550 - Garrett
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
20650 St.
Mary's
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
August 2008
9
Zip Code
/ County
Scenario
Zip Code /
County
Scenario
Zip Code /
County
Scenario
20678 -
Calvert
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21014 - Harford
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21601 - Talbot
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21629 -
Caroline
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 1
$500 - Deductible
$100,000 Liability
21044 - Howard
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21740 -
Washington
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21157-
Carroll
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21620 - Kent
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21804 -
Wicomico
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21921 -
Cecil
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
20855 -
Montgomery
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21811 -
Worcester
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
August 2008
10
August 2008
1
PPA Rate Guide Scenarios August 2008
Provide premiums, effective August 1, 2008, based on the below listed scenarios and instructions for each designated
zip code (county, city/town) by July 18, 2008. Provide the requested information in the excel format attached.
Provide annual premiums for the insurer's rating territory that most closely corresponds to the town or city limits or to the
zip code designated for that county.
Counties for which forms are required; Designated cities or towns and Zip Codes:
County
City/Town
Zip Code
Allegany
Anne Arundel
Cumberland
Annapolis
21502
21401
Not Applicable
Baltimore City
21218
Baltimore
Owings Mills
21117
Calvert
Caroline
Carroll
Cecil
Charles
Dorchester
Prince Frederick
Denton
Westminster
Elkton
Waldorf
Cambridge
20678
21629
21157
21921
20603
21613
Frederick
Garrett
Frederick (City)
Oakland
21701
21550
Harford
Howard
Kent
Belair
Columbia
Chestertown
21014
21044
21620
Montgomery
Rockville
20855
Prince George's
Queen Anne’s
Somerset
Glenn Dale
Centreville
Princess Anne
20769
21617
21853
St. Mary's
Talbot
Washington
Leonardtown
Easton
Hagerstown
20650
21601
21740
Wicomico
Worcester
Salisbury
Berlin
21804
21811
If your company has multiple tiers, determine tier placement by the information provided in the rating scenarios. If a
scenario does not provide sufficient information for tier placement, place the subject of the scenario in the middle or
standard tier.
The following abbreviations are used in this form:
•
"COMP" means comprehensive or other than collision coverage;
•
"PIP" means personal injury protection; and
•
"UM" means uninsured motorist coverage.
•
“COLL” means collision coverage
Scenarios: For each scenario listed, provide the total annual policy premium (rounded off to whole dollars) in the
format shown on the enclosed “PPA Excel Format”. The scenarios use ISO 10 digit VIN’s. If you do not use ISO
VIN’s, use comparable VIN’s as appropriate. Otherwise, do not modify the scenarios.
Scenario 1:
Young Single
Male
Age 23. Rents an apartment. Do not apply companion policy discount.
Drives a 2003 Honda CR-V EX UTL4x4 VIN SHSRD78803
If credit is used to determine premium, then calculate as if there was no credit history.
Drives 15 miles each day total for work. Drives 15,000 miles annually.
Liability $20,000/$40,000/$15,000
Full PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
August 2008
2
Scenario 2:
Young Single
Female
Age 23. Rents an apartment. Do not apply companion policy discount.
Drives a 2003 Jeep Liberty Limited UTL4x4 4DR VIN 1J4DL58K03
If credit is used to determine premium, then calculate as if there was no credit history.
Drives 35 miles each way to/from work. Drives 15,000 miles annually.
Speeding ticket – 10 miles over the speed limit.
Liability $20,000/$40,000/$15,000
Full PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
Scenario 3:
Single Male
Age 30 Homeowner. Apply a companion homeowners policy discount.
Drives a 2006 Subaru Forester 2.5x Premium AWD VIN JF1SG65606
If credit is used to determine premium, then calculate as if the driver has no credit history.
Drives 50 miles each day total for work. Drives 25,000 miles annually.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 4:
Single Female
Age 30 Homeowner. Apply a companion homeowners policy discount.
Drives a 2005 Toyota Camry VIN 4T1BE30K15
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 20 miles each way to/from work and 15,000 miles annually.
No accidents or violations in the past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 5:
Single Male
Age 50. Homeowner. Apply a companion homeowners policy discount.
Drives a 2005 Ford F-250 4x4 4DR VIN 1FTDW21505
Drives 60 miles each day total for work – business use. Drives 25,000 miles annually.
Second vehicle – 1990 Camaro RS Convertible VIN 1G1FP33E0L
Pleasure use only – drives 3000 miles per year. Garage kept
If credit is used to determine premium, then calculate as if the driver has the best credit history.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
August 2008
3
Scenario 6:
Senior Citizen
Single Male
Age 65. Homeowner. Apply a companion homeowners policy discount.
Drives a 2001 Buick Regal GSW SED 4DR VIN 2G4WF55101
Drives 5000 miles a year
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Retired – Pleasure use only.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 7:
Senior Citizen
Single Female
Age 65. Does not own a home. Do not apply any companion policy discount.
Drives a 2004 Honda Accord Coupe LX VIN 1HGCM71304
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Retired – Pleasure use only – drives 5000 miles annually.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 8:
Family Rate
Premiums given should include coverage for 2 vehicles and 3 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male
Age 45
Drives a 2002 Jeep Grand Cerokee UTL4x2 4DR VIN 1J8GX48S02
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 30 miles each way to/from work. Drives 20,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Married Female
Age 45
Drives a 2005 Dodge Caravan SE 4x2 VIN 1D4FP25R05
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 15 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Young Single Male
Age 17
Does not have his own vehicle—he is an occasional driver of the 2005 Dodge.
Has 1 year of driving experience.
Took a driver training course.
Has a B average in school.
Speeding ticket – 10 miles over the speed limit.
August 2008
4
Scenario 9:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male Age 35. Homeowner.
Drives a 2004 Dodge Durango LTD UTL4x4 4DR VIN 1D8HB58D04
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 45 miles each day total for work. Drives 35,000 miles annually. Self-employed.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 32. Homeowner.
Drives a 2005 Nissan Altima 4DR VIN 1N4AL11D05
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 10 miles each way to/from work. Drives 15,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Two children under age 12
Scenario 10:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male Age 26. Homeowner.
Drives a 2004 Chevrolet S-10 PKP 4x4 4DR VIN 1GCHT13X04
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 10 miles each way to/from work. Drives 20,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 24. Homeowner.
Drives a 2006 Toyota Sienna Wag 4x2 VIN 5TDZA23C06
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Does not work, but drives locally about 5,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
One child under age 2.
August 2008
5
Scenario 11:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount. Do not
apply a companion policy discount.
Married Male Age 29. Rents a home.
Drives a 2000 Chevrolet Silverado 1500 PKP 4x2 2DR VIN 1GCCC14V0Y
If credit is used to determine premium, then calculate as if the driver has no credit history.
Drives 20 miles each way to/from work. Drives 15,000 miles annually.
No accidents or violations in past 3 years.
Liability $20,000/$40,000/$15,000
Limited PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 29. Rents a home.
Drives a 2000 Ford Taurus SE WAG 4DR VIN 1FAFP58S0Y
If credit is used to determine premium, then calculate as if the driver has no credit history.
Works part time, but drives 5,000 miles annually.
No accidents or violations in past 3 years.
Liability $20,000/$40,000/$15,000
Limited PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
Two children under age 12
Scenario 12:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male Age 39. Homeowner.
Drives a 2000 Ford Explorer LTD UTL4x4 4DR VIN 1FM0U75E0Y
If credit is used to determine premium, then calculate as if the driver has the worst credit history.
Drives 30 miles each way to/from work. Drives 35,000 miles annually. Self-employed.
One at fault accident – paid claim in excess of $10,000.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 39. Homeowner.
Drives a 2000 Dodge Grand Caravan ES WAG 4x2 4DR VIN 1B4DP74L0Y
If credit is used to determine premium, then calculate as if the driver has the worst credit history.
Does not work, but drives locally about 5000 miles annually.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Two children under age 14.
EXHIBIT A
Scenario Vehicle #1
Additional Body Type information
VIN
1
2003 Honda CR-V EX UTL4x4
SHSRD78803
2
2003 Jeep Liberty Limited UTL4x4 4DR
1J4DL58K03
3
2006 Subaru Forester Premium AWD WAG 4DR
JF1SG65606
4
2005 Toyota Camry
SE 4DR SEDAN Gas 2.4L/4
4T1BE30K15
5
2005 Ford F250 4x4 4DR
XLT Crew Cab 4WD Gas 172WB
1FTDW21505
6
2001 Buick Regal GS SED 4DR
2G4WF55101
7
2004 Honda Accord Coupe
LX Coupe 2.4L/4
1HGCM71304
8
2002 Jeep Grand Cherokee UTL4x2 4DR
Laredo 2WD 4DR Gas 4.0L/6
1J8GX48S02
9
2004 Dodge Durango LTD UTL4x4 4D Limited
1D8HB58D04
10
2004 Chevy S-10 PKP 4x4 4DR
LS 4x4 4.3L/6
1GCHT13X04
11
2000 Chevrolet Silverado 1500 PKP 4x2 2D
LS REG CAB Gas 119WB
1GCCC14V0Y
12
2000 Ford Explorer LTD UTL 4x4 4D
4L/6
1FM0U75E0Y
EXHIBIT A
Scenario Vehicle #2
Additional Body Type information
VIN
1
n/a
n/a
2
n/a
n/a
3
n/a
n/a
4
n/a
n/a
5
1990 Camaro RS Convertible
1G1FP33E0L
6
n/a
n/a
7
n/a
n/a
8
2005 Dodge Caravan SE 4x2
3.3L/6 w/o side air bags
1D4FP25R05
9
2005 Nissan Altima 4DR
2.5 4DR Sedan 4Cyl Gas
1N4AL11D05
10
2006 Toyota Sienna Wag 4x2
LE 5DR Sport Van Gas
5TDZA23C06
11
2000 Ford Taurus SE WAG 4DR
1FAFP58S0Y
12
2000 Dodge Grand Caravan
ES WAGON 4x2 4DR
1B4DP74L0Y