Private Passenger Automobile Insurance Rate Guide and Homeowners Insurance Rate Guide

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 Wednesday December 17, 2014. In addition, please refer to the next page for a listing of revisions to this premium comparison request. Therese Goldsmith Insurance Commissioner By: _ __ Sandra Castagna Associate Commissioner Property & Casualty Enclosures: PPA Premium Scenarios HO Premium Scenarios PPA and HO Excel Format File specifications Signature on Original February 2015 Homeowners Policy Scenario 1 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible, water & sewer endorsement, $100,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only. County/City Town/City Zip Code Home Value Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $100,000 Frame 5 $500 45 $10,000 No $100,000 Anne Arundel Legion Ave 21401 $320,000 Frame 5 $500 35 $10,000 No $100,000 Baltimore Owings Mills 21117 $220,000 Frame 5 $500 55 $10,000 No $100,000 Baltimore City Waverly 21218 $110,000 Frame 1 $500 75 $10,000 No $100,000 Calvert Prince Frederick 20678 $350,000 Frame 5 $500 35 $10,000 No $100,000 Caroline Denton 21629 $180,000 Frame 5 $500 35 $10,000 No $100,000 Carroll Carrollton 21157 $300,000 Frame 5 $500 45 $10,000 No $100,000 Cecil Elkton 21921 $210,000 Frame 5 $500 35 $10,000 No $100,000 Charles Waldorf 20603 $310,000 Frame 5 $500 35 $10,000 No $100,000 Dorchester Cambridge 21613 $160,000 Frame 5 $500 75 $10,000 No $100,000 Frederick Frederick 21701 $300,000 Frame 5 $500 35 $10,000 No $100,000 Garrett Oakland 21550 $120,000 Frame 5 $500 35 $10,000 No $100,000 Harford Bel Air 21014 $250,000 Frame 5 $500 35 $10,000 No $100,000 Howard Columbia 21044 $410,000 Frame 5 $500 35 $10,000 No $100,000 Kent Chestertown 21620 $240,000 Frame 5 $500 35 $10,000 No $100,000 Montgomery Colesville 20904 $440,000 Frame 5 $500 45 $10,000 No $100,000 Prince George's Fort Washington 20744 $280,000 Frame 5 $500 45 $10,000 No $100,000 Queen Anne's Centreville 21617 $330,000 Frame 5 $500 45 $10,000 No $100,000 Somerset Princess Anne 21853 $110,000 Frame 5 $500 75 $10,000 No $100,000 St. Mary's Leonardtown 20650 $280,000 Frame 5 $500 35 $10,000 No $100,000 Talbot Easton 21601 $310,000 Frame 5 $500 75 $10,000 No $100,000 Washington Hagerstown 21740 $190,000 Frame 5 $500 75 $10,000 No $100,000 Wicomico Salisbury 21804 $150,000 Frame 5 $500 35 $10,000 No $100,000 Worcester Berlin 21811 $240,000 Frame 5 $500 45 $10,000 No $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 1-800-492-6116 www.mdinsurance.state.md.us February 2015 Homeowners Policy Scenario 2 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible, water & sewer endorsement, $100,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only. County/City Town/City Zip Code Home Value Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $120,000 Frame 5 $500 35 $15,000 Yes $100,000 Anne Arundel Legion Ave 21401 $370,000 Frame 5 $500 25 $15,000 Yes $100,000 Baltimore Owings Mills 21117 $270,000 Frame 5 $500 45 $15,000 Yes $100,000 Baltimore City Waverly 21218 $160,000 Frame 1 $500 65 $15,000 Yes $100,000 Calvert Prince Frederick 20678 $390,000 Frame 5 $500 25 $15,000 Yes $100,000 Caroline Denton 21629 $230,000 Frame 5 $500 25 $15,000 Yes $100,000 Carroll Carrollton 21157 $350,000 Frame 5 $500 35 $15,000 Yes $100,000 Cecil Elkton 21921 $260,000 Frame 5 $500 25 $15,000 Yes $100,000 Charles Waldorf 20603 $360,000 Frame 5 $500 25 $15,000 Yes $100,000 Dorchester Cambridge 21613 $210,000 Frame 5 $500 65 $15,000 Yes $100,000 Frederick Frederick 21701 $350,000 Frame 5 $500 25 $15,000 Yes $100,000 Garrett Oakland 21550 $170,000 Frame 5 $500 25 $15,000 Yes $100,000 Harford Bel Air 21014 $300,000 Frame 5 $500 25 $15,000 Yes $100,000 Howard Columbia 21044 $460,000 Frame 5 $500 25 $15,000 Yes $100,000 Kent Chestertown 21620 $280,000 Frame 5 $500 25 $15,000 Yes $100,000 Montgomery Colesville 20904 $480,000 Frame 5 $500 35 $15,000 Yes $100,000 Prince George's Fort Washington 20744 $330,000 Frame 5 $500 35 $15,000 Yes $100,000 Queen Anne's Centreville 21617 $380,000 Frame 5 $500 35 $15,000 Yes $100,000 Somerset Princess Anne 21853 $160,000 Frame 5 $500 65 $15,000 Yes $100,000 St. Mary's Leonardtown 20650 $330,000 Frame 5 $500 25 $15,000 Yes $100,000 Talbot Easton 21601 $350,000 Frame 5 $500 65 $15,000 Yes $100,000 Washington Hagerstown 21740 $240,000 Frame 5 $500 65 $15,000 Yes $100,000 Wicomico Salisbury 21804 $200,000 Frame 5 $500 25 $15,000 Yes $100,000 Worcester Berlin 21811 $290,000 Frame 5 $500 35 $15,000 Yes $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 1-800-492-6116 www.mdinsurance.state.md.us February 2015 Homeowners Policy Scenario 3 Rates provided by insurers in this scenario assume the following: masonry construction, replacement cost including contents, $1000 deductible, water & sewer endorsement, $300,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only. County/City Town/City Zip Code Home Value Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $170,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Anne Arundel Legion Ave 21401 $420,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Baltimore Owings Mills 21117 $320,000 Masonry 5 $1,000 35 $75,000 Yes $300,000 Baltimore City Waverly 21218 $210,000 Masonry 1 $1,000 55 $75,000 Yes $300,000 Calvert Prince Frederick 20678 $440,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Caroline Denton 21629 $280,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Carroll Carrollton 21157 $400,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Cecil Elkton 21921 $310,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Charles Waldorf 20603 $410,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Dorchester Cambridge 21613 $260,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 Frederick Frederick 21701 $400,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Garrett Oakland 21550 $220,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Harford Bel Air 21014 $350,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Howard Columbia 21044 $510,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Kent Chestertown 21620 $330,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Montgomery Colesville 20904 $530,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Prince George's Fort Washington 20744 $380,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Queen Anne's Centreville 21617 $430,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 Somerset Princess Anne 21853 $210,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 St. Mary's Leonardtown 20650 $380,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Talbot Easton 21601 $400,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 Washington Hagerstown 21740 $290,000 Masonry 5 $1,000 55 $75,000 Yes $300,000 Wicomico Salisbury 21804 $250,000 Masonry 5 $1,000 15 $75,000 Yes $300,000 Worcester Berlin 21811 $340,000 Masonry 5 $1,000 25 $75,000 Yes $300,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 1-800-492-6116 www.mdinsurance.state.md.us February 2015 Homeowners Policy Scenario 4 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $1000 deductible, water & sewer endorsement, $300,000 liability coverage. Note: Ages of homes in scenario vary. ZIP codes are for sampling purposes only. County/City Town/City Zip Code Home Value Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $220,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Anne Arundel Legion Ave 21401 $470,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Baltimore Owings Mills 21117 $370,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Baltimore City Waverly 21218 $260,000 Frame 1 $1,000 15 $20,000 Yes $300,000 Calvert Prince Frederick 20678 $490,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Caroline Denton 21629 $330,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Carroll Carrollton 21157 $450,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Cecil Elkton 21921 $360,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Charles Waldorf 20603 $460,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Dorchester Cambridge 21613 $310,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Frederick Frederick 21701 $450,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Garrett Oakland 21550 $270,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Harford Bel Air 21014 $400,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Howard Columbia 21044 $560,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Kent Chestertown 21620 $380,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Montgomery Colesville 20904 $580,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Prince George's Fort Washington 20744 $430,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Queen Anne's Centreville 21617 $480,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Somerset Princess Anne 21853 $260,000 Frame 5 $1,000 15 $20,000 Yes $300,000 St. Mary's Leonardtown 20650 $430,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Talbot Easton 21601 $450,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Washington Hagerstown 21740 $340,000 Frame 5 $1,000 15 $20,000 Yes $300,000 Wicomico Salisbury 21804 $300,000 Frame 5 $1,000 10 $20,000 Yes $300,000 Worcester Berlin 21811 $390,000 Frame 5 $1,000 15 $20,000 Yes $300,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 1-800-492-6116 www.mdinsurance.state.md.us February 2015 Condominium Policy Scenario 5 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible, water & sewer endorsement. Note: ZIP codes are for sampling purposes only. County/City Town/City Zip Code Coverage C Amount Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Anne Arundel Legion Ave 21401 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Baltimore Owings Mills 21117 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Baltimore City Waverly 21218 $100,000 Frame 1 $500 15 $20,000 Yes $300,000 Calvert Prince Frederick 20678 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Caroline Denton 21629 $100,000 Frame 5 $500 15 $20,000 Yes $100,000 Carroll Carrollton 21157 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Cecil Elkton 21921 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Charles Waldorf 20603 $100,000 Frame 5 $500 15 $20,000 Yes $300,000 Dorchester Cambridge 21613 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Frederick Frederick 21701 $100,000 Frame 5 $500 15 $20,000 Yes $300,000 Garrett Oakland 21550 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Harford Bel Air 21014 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Howard Columbia 21044 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Kent Chestertown 21620 $75,000 Frame 5 $500 15 $20,000 Yes $300,000 Montgomery Colesville 20904 $125,000 Frame 5 $500 15 $20,000 Yes $300,000 Prince George's Fort Washington 20744 $100,000 Frame 5 $500 15 $20,000 Yes $300,000 Queen Anne's Centreville 21617 $50,000 Frame 5 $500 15 $20,000 Yes $100,000 Somerset Princess Anne 21853 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 St. Mary's Leonardtown 20650 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Talbot Easton 21601 $50,000 Frame 5 $500 15 $20,000 Yes $100,000 Washington Hagerstown 21740 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Wicomico Salisbury 21804 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 Worcester Berlin 21811 $75,000 Frame 5 $500 15 $20,000 Yes $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 1-800-492-6116 www.mdinsurance.state.md.us February 2015 Renters Policy Scenario 6 Rates provided by insurers in this scenario assume the following: frame construction, replacement cost including contents, $500 deductible. Note: ZIP codes are for sampling purposes only. County/City Town/City Zip Code Coverage C Amount Construction Protection Class* Deductible Age of Home (in years) Water/Sewer Backup Limit Auto/Home Discount Liability Allegany Cumberland 21502 $50,000 Frame 5 $500 n/a n/a No $100,000 Anne Arundel Legion Ave 21401 $50,000 Frame 5 $500 n/a n/a No $100,000 Baltimore Owings Mills 21117 $50,000 Frame 5 $500 n/a n/a No $100,000 Baltimore City Waverly 21218 $50,000 Frame 1 $500 n/a n/a No $100,000 Calvert Prince Frederick 20678 $50,000 Frame 5 $500 n/a n/a No $100,000 Caroline Denton 21629 $50,000 Frame 5 $500 n/a n/a No $100,000 Carroll Carrollton 21157 $50,000 Frame 5 $500 n/a n/a No $100,000 Cecil Elkton 21921 $50,000 Frame 5 $500 n/a n/a No $100,000 Charles Waldorf 20603 $75,000 Frame 5 $500 n/a n/a No $300,000 Dorchester Cambridge 21613 $75,000 Frame 5 $500 n/a n/a No $300,000 Frederick Frederick 21701 $75,000 Frame 5 $500 n/a n/a No $300,000 Garrett Oakland 21550 $75,000 Frame 5 $500 n/a n/a No $300,000 Harford Bel Air 21014 $75,000 Frame 5 $500 n/a n/a No $300,000 Howard Columbia 21044 $75,000 Frame 5 $500 n/a n/a No $300,000 Kent Chestertown 21620 $75,000 Frame 5 $500 n/a n/a No $300,000 Montgomery Colesville 20904 $75,000 Frame 5 $500 n/a n/a No $300,000 Prince George's Fort Washington 20744 $75,000 Frame 5 $500 n/a n/a No $300,000 Queen Anne's Centreville 21617 $50,000 Frame 5 $500 n/a n/a No $100,000 Somerset Princess Anne 21853 $50,000 Frame 5 $500 n/a n/a No $100,000 St. Mary's Leonardtown 20650 $50,000 Frame 5 $500 n/a n/a No $100,000 Talbot Easton 21601 $50,000 Frame 5 $500 n/a n/a No $100,000 Washington Hagerstown 21740 $50,000 Frame 5 $500 n/a n/a No $100,000 Wicomico Salisbury 21804 $50,000 Frame 5 $500 n/a n/a No $100,000 Worcester Berlin 21811 $50,000 Frame 5 $500 n/a n/a No $100,000 * Protection Class is the distance from the fire hydrant and the quality of your local fire department. Maryland Insurance Administration 1-800-492-6116 www.mdinsurance.state.md.us PPA Rate Guide Scenarios February 2015 Provide premiums, with an effective date of February 1, 2015 or after, based on the below listed scenarios and instructions for each designated zip code (county, city/town) by Wednesday December 17, 2014. 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 Colesville 20904 Prince George's Queen Anne’s Somerset Fort Washington Centreville Princess Anne 20744 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 February 1, 2015. 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 2009 Honda CR-V EX UTL4x4 VIN 5J6RE48509 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 February 2015 1 Scenario 2: Young Single Female Age 23. Rents an apartment. Do not apply companion policy discount. Drives a 2009 Jeep Liberty Limited UTL 4x2 4DR VIN 1J8GP58K09 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 ago – 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 XLT 4x4 4DR Crew Cab Gas 172WB VIN 1FTNW21505 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 3,000 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 February 2015 2 Scenario 6: Senior Citizen Single Male Age 65. Homeowner. Apply a companion homeowners policy discount. Drives a 2012 Ford Escape XLS UTL 4x2 4DR VIN 1FMCU0C70C Drives 5,000 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 2.4L/4 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 5,000 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 8: Single Female Age 50. Does not own a home Drives a 2010 Ford Explorer XLT UTL 4x4 4DR VIN 1FMEU7DE0A 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 $500 deductible COLL $500 deductible 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 2010 Dodge Dakota CrewCab PKP 4x4 4DR VIN 1D7HW5GP0A 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 2.5 4DR Sedan 4Cyl Gas 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 February 2015 3 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 2008 Toyota Tundra Double Cab 4x2 4DR VIN 5TFRV54108 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 LE 5DR Sport Van 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. 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 2011 Chevrolet Silverado 1500 PKP 4x2 2DR Regular Cab VIN 1GCNCSEA0B 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 2007 Ford Taurus SE Sedan 4DR VIN 1FAFP53U07 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 February 2015 4 Scenario 12: 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 44. Homeowner. Drives a 2011 Chevy Equinox AWD UTL 4x4 4DR VIN 2CNFLNEC0B 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 44. Homeowner. Drives a 2008 Toyota Camry SE Sedan 4DR VIN 4T1BK46K08 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 5,000 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 Young Single Male Age 17 Does not have his own vehicle—he is an occasional driver of the 2008 Toyota. 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 2015 5 SUMMARY OF REVISIONS – February 2015 edition Major Updates for February 2015 No updates Major Updates for August 2014 No updates Major Updates for February 2014 1) Homeowners – The zip codes in the specifications file for excel columns W and X have been corrected, to be consistent with the LAYOUT file. Major Updates for August 2013 1) The layout and instructions have been modified for the contact tab. 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 – Please remove all links and macros 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) Put your information into the latest format supplied – do not use prior templates. c) Verify the bycovbycomp tab d) Make sure company spelling name is same as in the compname tab February 2015 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 20904 (X) Annual Premium for zip code 20744 (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 2015 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 20904 (X) Annual Premium for zip code 20744 (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 2015 DATA and FILE Requirements Requirements: 1) ALL ENTRIES MUST BE 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 - REQUIRED. Refer to the layout file. 5) Filing naming convention: a) File name should contain a short company name and the suffix 0814. b) There are no other specific requirements for naming convention. 6) Spreadsheet detail requirements: a) Do not use 1000 separator (i.e. no comma); b) Premiums must be rounded to ZERO decimal places; c) Do not use currency format; d) 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 – otherwise submission will be returned; g) Do not activate “Wrap Text”; h) Do not use borders or colored/highlighted cells; 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 2015 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) – DO NOT DELETE For each type of Guide under Section A (as contact info may vary). Column B - 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 C - Contact Name (Required) Column D - Contact Phone number (Required - Format must be xxx-xxx-xxxx) Column E - A generic business email address designed to receive data requests. DO NOT SUBMIT THIS In HTML format. Text only. (Required) Column F - Email address of contact name. DO NOT SUBMIT THIS In HTML format. Text only. (Required) The following three items are required: Column B - 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 C - An 800/888/866 (toll free) that your company uses for customer/consumer inquiries (Format must be xxx-xxx-xxxx). For column C, if your company does not have a phone number for this purpose, please use the phrase “See Yellow Pages”. Column D - website address for customer/consumer inquiries. DO NOT SUBMIT in HTML format. Text only. (Format – do not use http://. Precede website name with www) February 2015