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Maryland Code, Insurance § 11-315

Current as of January 01, 2025 | Updated by Findlaw Staff

(a) All homeowner's insurance rates shall be made in accordance with the principles set forth in this section.

(b)(1) An insurer under a homeowner's insurance policy may not classify or maintain an insured for a period longer than 3 years in a classification that entails a higher premium because of a specific claim.

(2) For the purpose of determining whether to classify an insured in a classification that entails a higher premium, an insurer may review only a period not greater than 3 years before:

(i) if the policy has not yet been issued:

1. the date of the application; or

2. the proposed effective date of the policy; or

(ii) on renewal of a policy, the effective date of the renewal.

(3)(i) The removal of, reduction of, or refusal to apply a discount is not a violation of this subsection if the claim resulting in the removal of, reduction of, or refusal to apply the discount was filed not more than 5 years before the removal, reduction, or refusal.

(ii) Subparagraph (i) of this paragraph may not be construed to prevent an insurer from granting a claim-free discount to an insured.

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Cite this article: FindLaw.com - Maryland Code, Insurance § 11-315 - last updated January 01, 2025 | https://codes.findlaw.com/md/insurance/md-code-insurance-sect-11-315/

FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. Please verify the status of the code you are researching with the state legislature before relying on it for your legal needs.

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