MD Insurance Bulletin 11-06
Private Passenger Automobile and Homeowner Insurance Rate Guide
MARTIN O'MALLEY
GOVERNOR
ANTHONY G. BROWN
LIEUTENANT GOVERNOR
INSURANCE
ADMINISTRATION
200 ST. PAUL STREET, SUITE 2700
BALTIMORE, MARYLAND 21202
WWW.MDINSURANCE.STATE.MD.US
Bulletin 11-06
Date March 30, 2011
To: Select Property and Casualty Insurers
Re: Private Passenger Automobile Insurance Rate Guide
Homeowners Insurance Rate Guide
BETH SAIIMIS
ACTING COMMISSIONER
KAREN STAKEM HORNIG
Deputy Commissioner
P. RANDI JOHNSON
ASSOCIATE COMMISSIONER
Property & Casualty
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 August 1, 2011 for
Private Passenger Auto and Homeowners, based on the scenarios shown on the enclosed
Premium Scenarios for each designated zip code/county.
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 to:
Mr. Linas Glemza
Property & Casualty Unit
Maryland Insurance Administration
200 St Paul Street, Suite 2700
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 Thursday June 30, 2011. In addition, please refer
to the next page for a listing of revisions to this premium comparison request.
Beth Sammis
Acting Insurance Commissioner
By
P. Randi Johnson
Associate Commissioner
Property & Casualty
Enclosures: PPA Premium Scenarios
HO Premium Scenarios
PPA and HO Excel Format
File specifications
Signature on file with original
SUMMARY OF REVISIONS – August 2011 edition
Updates for August 2011
1) The Layout file has been updated to include the By Coverage by Company tab.
2) A company name (compname) tab has been added to the Layout file. You need to use the
exact spelling as shown in this page. Please contact us if there is a new company name.
3) We are now requesting 800/888 numbers and websites for additional coverages that you write
(e.g. RV, cycles, etc…..) Only provide info for the coverages you write.
Major Updates from February 2011
1)
PPA ONLY, Scenarios 1, 2 and 11 – The BI and UMBI limits have been revised to 30/60
(from 20/40) as a result of Maryland HB 825. You need to submit rates to reflect these new
limits. Do not submit rates for 20/40 limits.
2)
PPA ONLY – All Scenarios are now Full PIP. Limited PIP is no longer part of any
scenario.
The following are not new, but are being re-emphasized with this edition:
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.
c) Verify the bycovbycomp tab
August 2011
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 2011
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 2011
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 Feb11 or 0211 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.
August 2011
August 2011
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 - Contact Phone number (Required - Format must be xxx-xxx-xxxx)
Column E - Email address of contact name. DO NOT SUBMIT THIS
In HTML format. Text only. (Required)
The following 2 items are required:
Column F - An 800/888/866 (toll free) that your company uses for
customer/consumer inquiries (Format must be xxx-xxx-xxxx).
Column G - 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”.
Homeowners Rate Guide Scenarios – August 2011
Provide premiums, with an effective date of August 1, 2011 or after, based on the attached scenarios and instructions for each designated zipcode (county,
city/town) by Wednesday June 30, 2011. 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
August 2011
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
August 2011
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
August 2011
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
August 2011
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
August 2011
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
August 2011
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
August 2011
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
August 2011
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
August 2011
9
August 2011
10
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
August 2011
1
PPA Rate Guide Scenarios August 2011
Provide premiums, with an effective date of August 1, 2011 or after, based on the below listed scenarios and
instructions for each designated zip code (county, city/town) by Thursday June 30, 2011. 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
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. Reference date point for surcharges and other date related items is August 1, 2011.
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 $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$15,000
COMP $250 deductible
COLL $500 deductible
August 2011
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 19 months – 10 miles over the speed limit.
Liability $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$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
Full 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
Full 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
Full PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
August 2011
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
Full 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
Full 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
Full 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
Full 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.
August 2011
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
Full 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
Full 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
Full 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
Full PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
One child under age 2.
August 2011
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 $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$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 $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$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
Full 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
Full PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Two children under age 14.