​Attorney General of Maryland ​Anthony G. Brown

Promoting the Interests of Homeowners

​​​​People’s Insurance Counsel Division: Promoting the Interests of Homeowners

What does your homeowners insurance cover and how are the premium costs determined? Are you covered if your siding blows off or if your basement floods? Do you need to pay extra for coverage for your jewelry? For many Maryland homeowners, these questions are not easily answered by a simple review of their homeowner’s policies.

The state legislature created the People's Insurance Counsel Division (PIC) of the Attorney General's Office to represent consumer interests when insurance companies revise homeowner insurance rates and to voice consumer concerns before the legislature. We review complaints filed with the Maryland Insurance Administration and help consumers understand the complaint resolution process. PIC can discuss with you how to file a complaint with the Maryland Insurance Administration for action.

Tips for Homeowners

  1. Read your entire homeowners insurance policy to understand your responsibilities. Failure to comply may affect claim payments or continuation of coverage.
  2. Consult with your insurance agent or company representative about what is included and excluded in your coverage. Ask about endorsements for additional coverages you might want.
  3. Maintain your home in good repair:
    • Create and update a Personal Property Inventory including important documents
    • Install and maintain smoke alarms
    • Know the location of your water shut-off valve and contact information for a plumber
    • Note that insurance companies may inspect properties and cancel or refuse renewal if your home is in disrepair
  4. Be aware that your insurance company may cancel or refuse to renew coverage if you've made claims. For weather-related claims, companies cannot cancel unless you've had three or more claims in a three-year period.
  5. Filing a claim may result in premium increases through loss of discounts or application of surcharges. Ask your agent about potential premium changes following a claim.
  6. Standard homeowner’s policies do not cover flood damage. If flooding is a concern, discuss obtaining flood insurance through the federal program or private flood insurance with your agent.

Information Services

The Division produces educational materials to assist consumers in understanding their homeowner’s insurance policies and what they cover. The Division can also provide speakers for your community association or organization. Learn more about the People’s Insurance Council Division.

Contact Us

For more information, call 410-576-6432 or email us at [email protected].

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