Private Passenger Automobile and Homeowners Rate Guides

MARTIN O'MALLEY GOVERNOR ANTHONY G. BROWN LIEUTENANT GOVERNOR [LOGO] # INSURANCE ADMINISTRATION 200 ST. PAUL STREET, SUITE 2700 BALTIMORE, MARYLAND 21202 WWW.MDINSRUANCE.STATE.MD.US Bulletin 09-29 Date December 11, 2009 To: Select Property and Casualty Insurers Re: Private Passenger Automobile Insurance Rate Guide Homeowners Insurance Rate Guide *** Pursuant to §19-112 of the Insurance Article, the Maryland Insurance Administration ("MIA") hereby requests that certain select personal lines property and casualty insurers provide information related to Homeowners (HO) and private passenger automobile ("PPA") insurance premiums. This information is necessary for the MIA to publish rate comparison guides for consumers. If you did not receive this bulletin directly from the MIA, no further action is required on your part. The information to be submitted are the annual premiums effective as of February 1, 2010, based on the scenarios shown on the enclosed Premium Scenarios for each designated zip code/county (PPA). Provide the requested information in the Excel spreadsheet, with the formatting explained in the attached Excel format write-up. In order to expedite this process, email transmission is requested and preferable. 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 200 St Paul Street, Suite 2700 Baltimore, MD 21202 RALPH S. TYLER COMMISSIONER BETH SAMMIS KAREN STAKEM HORNIG Deputy Commissioners P. RANDI JOHNSON ASSOCIATE COMMISSIONER Property & Casualty 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 January 15, 2010. In addition, please refer to the next page for a listing of revisions to this premium comparison request. Ralph S. Tyler Insurance Commissioner By: Signature on File with Original P. Randi Johnson Associate Commissioner Property & Casualty Enclosures: PPA Premium Scenarios HO Premium Scenarios PPA and HO Excel Format February 2010 Property and Casualty Bulletin Page 3 # SUMMARY OF REVISIONS – February 2010 edition The following are new: 1) For all rate guides, all information must be submitted in one file. There should be ONLY one file. Clarifying language is made on Page 6, Item 4. Thus the premiums for each guide should be on their own spreadsheet tab (page), and the contact information must be on another spreadsheet tab (or page), within the same excel file. 2) Links and Macros – Some submissions include macros. Please remove all macros prior to submission. In addition, some submissions include links (to other external spreadsheets). Please break these links prior to submission. 3) If your company has had no rate or rating rule changes since the last rate guide that would impact your premiums, please do the following: a) Verify the contact information from your prior submission; b) Rename the prior file and submit your information. February 2010 Property and Casualty Bulletin Page 4 ## 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 | February 2010 Property and Casualty Bulletin Page 5 ## 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 | February 2010 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 should be formatted in date format. 2) For columns where rates are not available, please fill in "n/a". These columns start with Column (H) through as far as (AH) depending on the number of scenarios requested. 3) For the Premiums, use numeric format (zero decimal places). Round off to whole numbers. 4) All information MUST be in one file. Refer to the layout file. 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) File name should contain Feb10 or 0210 in it; b) 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. February 2010 Property and Casualty Bulletin Page 7 8) For the following information, create a new spreadsheet tab or page (not a file), and provide the following information (we encourage to name this tab Contact): Column A - Type of Guide (pre-filled) For each type of Guide (as contact info may vary). Column B - Contact Name (Required) Column C - Company Name (Required and must match the name on the spreadsheet page where the premiums are listed. Do not precede company name with the word The). Column D - Company Address 1 (can also be Department name) Column E - Company Address 2 Column F - City, State Zip (Note new format) Column G - Contact Phone number (Required - Format must be xxx-xxx-xxxx) Column H - Fax number (Optional) Column I - Email address of contact name. DO NOT SUBMIT THIS In HTML format. Text only. (Required) The following 2 items are required: Column J - An 800/888/866 (toll free) that your company uses for customer/consumer inquiries (Format must be xxx-xxx-xxxx). Column K - website address for customer/consumer inquiries. DO NOT SUBMIT in HTML format. Text only. (Format – do not use http://. Precede website name with www) For column I, if your company does not have a phone number for this purpose, please use the phrase "See Yellow Pages". February 2010 # PPA Rate Guide Scenarios February 2010 Provide premiums, with an effective date of February 1, 2010 or after, based on the below listed scenarios and instructions for each designated zip code (county, city/town) by January 15, 2010. Provide the requested information in the format listed below. 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 | Cumberland | 21502 | | Anne Arundel | Annapolis | 21401 | | Not Applicable | Baltimore City | 21218 | | Baltimore | Owings Mills | 21117 | | Calvert | Prince Frederick | 20678 | | Caroline | Denton | 21629 | | Carroll | Westminster | 21157 | | Cecil | Elkton | 21921 | | Charles | Waldorf | 20603 | | Dorchester | Cambridge | 21613 | | Frederick | Frederick (City) | 21701 | | Garrett | Oakland | 21550 | | Harford | Belair | 21014 | | Howard | Columbia | 21044 | | Kent | Chestertown | 21620 | | Montgomery | Rockville | 20855 | | Prince George's | Glenn Dale | 20769 | | Queen Anne's | Centreville | 21617 | | Somerset | Princess Anne | 21853 | | St. Mary's | Leonardtown | 20650 | | Talbot | Easton | 21601 | | Washington | Hagerstown | 21740 | | Wicomico | Salisbury | 21804 | | Worcester | Berlin | 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. Reference date point for surcharges and other date related items is August 1, 2009. 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. No accidents or violations in past 3 years. Liability $20,000/$40,000/$15,000 Full PIP $2,500 UM $20,000/$40,000/$15,000 COMP $250 deductible | | --- | --- | February 2010 1 | | COLL $500 deductible | | --- | --- | | 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 19 months – 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 2007 Toyota Prius HCHBK VIN JTDKB20U07 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 | February 2010 2 | 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 6 months ago – 10 miles over the speed limit. | February 2010 3 | 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. | February 2010 4 | 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 2008 Chevy Tahoe Hybrid UTL 4x4 4DR VIN 1GN0K13508 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 15 months ago – 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 2005 Toyota Camry VIN 4T1BE30K15 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. | February 2010 5 # Homeowners Rate Guide Scenarios – February 2010 Provide premiums, with an effective date of February 1, 2010 or after, based on the attached scenarios and instructions for each designated zipcode (county, city/town) by January 15, 2010. Provide the requested information in the Excel spreadsheet format as shown on the enclosed "Homeowners Excel Format" in the bulletin. 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 | February 2010 1 | 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 | | --- | --- | --- | --- | --- | | 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 | February 2010 2 | 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 | | --- | --- | --- | --- | --- | | 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 | February 2010 3 | 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 | | --- | --- | --- | --- | --- | | 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 | February 2010 4 | 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 | | --- | --- | --- | --- | --- | | 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 | February 2010 5 | 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 | | --- | --- | --- | --- | --- | | 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 | February 2010 6 # Scenario 5: Condominium Policy Rate all Scenarios using Frame Construction | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | | --- | --- | --- | --- | --- | --- | | 21502 - Alleghany | Replacement Cost for Coverage C Coverage C Amount = $100,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | 20603 - Charles | Replacement Cost for Coverage C Coverage C Amount = $100,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 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 $5000 | | 21401 - Anne Arundel | Replacement Cost for Coverage C Coverage C Amount = $100,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | 21613 - Dorchester | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 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 $5000 | | 21218 - Baltimore City | Replacement Cost for Coverage C Coverage C Amount = $100,000 Protection Class 1 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 21701 - Frederick | Replacement Cost for Coverage C Coverage C Amount = $100,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 21853 - Somerset | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | | 21117 - Baltimore County | Replacement Cost for Coverage C Coverage C Amount = $100,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | 21550 - Garrett | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 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 $5000 | February 2010 7 | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | | --- | --- | --- | --- | --- | --- | | 20678 - Calvert | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | 21014 - Harford | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 21601 Talbot | Replacement Cost for Coverage C Coverage C Amount = $50,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | | 21629 - Caroline | Replacement Cost for Coverage C Coverage C Amount = $100,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | 21044 - Howard | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 21740 Washington | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | | 21157 - Carroll | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | 21620 - Kent | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 21804 Wicomico | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | | 21921 - Cecil | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | 20855 - Montgomery | Replacement Cost for Coverage C Coverage C Amount = $125,000 Protection Class 5 $500 - Deductible $300,000 Liability Loss Assessment Coverage $5000 | 21811 Worcester | Replacement Cost for Coverage C Coverage C Amount = $75,000 Protection Class 5 $500 - Deductible $100,000 Liability Loss Assessment Coverage $5000 | February 2010 8 Scenario 6: Renters Policy Rate all Scenarios using Frame Construction | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | | --- | --- | --- | --- | --- | --- | | 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 | February 2010 9 | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | Zip Code / County | Scenario Detail by zip code | | --- | --- | --- | --- | --- | --- | | 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 | February 2010 10