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Maryland Code, Insurance § 10-806

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A self-service storage producer may not offer or sell insurance under this subtitle unless:

(1) the self-service storage producer makes readily available to prospective occupants brochures or other written materials that:

(i) summarize the material terms of insurance coverage offered to occupants, including the identity of the insurer and the price, benefits, deductibles, exclusions, and conditions of the insurance;

(ii) disclose that the policies offered by the self-service storage producer may provide coverage that is comparable to coverage already provided by an occupant's homeowner's insurance policy, renter's insurance policy, vehicle insurance policy, watercraft insurance policy, or other type of property insurance coverage;

(iii) state whether the purchase of coverage under a policy offered under this subtitle would make the coverage primary to any other coverage, including duplicate coverage;

(iv) state that the purchase of insurance coverage is not required as a condition of rental at a self-service storage facility if the occupant presents evidence of other applicable insurance coverage;

(v) describe the process for filing a claim;  and

(vi) include contact information for filing a complaint with the Commissioner;

(2) all costs related to the insurance are stated in writing;

(3) evidence of coverage in a form approved by the Commissioner is provided to each occupant who purchases the coverage;

(4) the insurance is provided by an insurer authorized to transact the applicable kinds of insurance in the State;  and

(5) as a condition of the sale of insurance, the self-service storage producer:

(i) requires the occupant to execute a document acknowledging the amount of coverage under the policy purchased;  and

(ii) if the occupant has contents in the leased space of a value greater than the coverage under the policy:

1. advises the occupant in writing to contact a property and casualty insurance producer licensed under Subtitle 1 of this title to obtain additional coverage to reflect the value of the contents in the leased space;  and

2. requires the occupant to acknowledge receipt of the notice under item 1 of this item.

Cite this article: - Maryland Code, Insurance § 10-806 - last updated December 31, 2021 |

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