For Consumers

​​Please make a selection to learn more about these insurance topics​: 

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Specific Topics:
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​​Preparedness:

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​Resources:​

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The Maryland Insurance Administration (MIA) regulates insurance in the State of Maryland.  

  • ​We answer questions about different types of insurance. For example, you may want to learn more about health, automobile, renters, homeowners, life, or long-term care insurance. 
  • We can explain your rights and suggest ways to work out problems with your insurance company. 
  • We can investigate a company to see if it violated state insurance laws or rules. For example, we can investigate whether the company did what it said it would do in its contract with you.  

The primary role of the MIA is to protect consumers from illegal insurance practices by ensuring that insurers and producers that operate in Maryland act in accordance with State insurance laws. We are here to assist you with your insurance inquiry or complaint about a health, life, auto or homeowners insurance policy. Additionally, we are here to assist you if you have a complaint involving an insurance producer, public adjuster or adviser.​

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For additional Insurance Topics, select a category from this list:​​

Annuities

Automobile, Motorcycle, ATV and RV Insurance

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General Information
Lists of companies that offer specialty auto insurance policies
Rates
Claims
Teen Drivers
Required Insurance
 Cancellation/Nonrenewal
 
Miscellaneous

Videos
General Information

Complaints

  • How to Protest an Auto Insurance Cancellation: Video
  • How to Protest an Auto Insurance Rate Increase notice: Video
  • How the MIA's Property and Casualty Unit can help you: Video
  • NEW Have a complaint about your auto or homeowners insurance policy? The MIA is here to help. Video

Rates

  • Credit History and Auto Insurance: Video
    Factores utilizados para establecer primas: Video

Claims

  • Storm damaged vehicles and comprehensive coverage: Video
  • Personal Injury Protection Tips: Video
    Consejos sobre Protección contra Lesiones Personales: Video
  • Steps to take if an insurance company tells you that your vehicle is a total loss: Video
  • Severe Weather and flash flooding: Video

Miscellaneous

  • Umbrella Insurance: Video
  • Food Delivery and Auto Insurance: Video
  • Tips to Navigate the Sharing Economy: Video
  • What is GAP insurance? Video

Boat/personal watercraft insurance

COBRA coverage

 
  • Click HERE for information on Consolidated Omnibus Budget Reconciliation Act (COBRA)

Commercial

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INSURANCE FOR BUSINESSES AND MEDICAL PROFESSIONALS

General Information

Health Insurance for Your Employees
  • Small businesses (those with between 2 and 50 employees) may purchase health insurance for their employees by going to Maryland Health Connection. Small businesses are not required to purchase insurance for their employees, but if they choose to do so they may qualify for a tax credit. For more information regarding your options, go to: https://www.marylandhealthconnection.gov/small-business/
  • Information on approved small group premium rates for small-group plans sold through Maryland Health Connection. View 2020 proposed health insurance rates by clicking HERE.
     

Videos

  • Commercial Insurance Tips: Video
  • Teleworking and Insurance: Video

Credit Insurance

 
What You Should Know Before You Purchase Credit Insurance

Many consumers purchase items using credit. In the case of some of the larger items, including, for example, automobiles, furniture or major appliances, the consumer may obtain a loan. For smaller items, such as clothing, televisions, etc., the consumer may use a credit card. With either of these types of “loans/debts,” you may be asked whether you want to purchase an insurance policy to cover the debt in the event of death, disability or involuntary loss of employment. Before you decide to purchase this type of insurance, it is important that you understand what it covers and whether the policy is right for you.
 
What is Credit Insurance?

Credit insurance is an insurance policy that is directly connected to a loan, credit card, retail purchase that is financed, or other debt.  This insurance policy pays all or a portion (i.e. monthly payment) of the outstanding debt if an event that is named in the policy occurs (i.e. death, disability or involuntary unemployment of the insured).  The insurance company usually pays the money directly to the creditor or lender.
 
Types of Credit Insurance
 
Credit Life Insurance – This policy will pay off all or a portion of the loan if the insured dies during the term of coverage.   The amount paid depends upon the policy’s limits. Some of these policies have a maximum amount that they will pay, which may be less than the amount of the loan.

Credit Disability/Credit Health Insurance – This policy will pay all or part of the insured’s monthly payment amount in the event that the insured becomes disabled, as defined by the policy, during the term of coverage.  Typically credit disability policies require that you be disabled for a period of time (generally 7, 14 or 30 days) before you are entitled to receive benefits under the policy.  Some policies will retroactively pay you for the waiting period and some will not.  The policy must clearly indicate whether it will retroactively pay for this waiting period.
 
Credit Involuntary Unemployment Benefit Insurance – This policy will pay all or part of the monthly bill if the insured becomes involuntarily unemployed due to a cause defined (or specified) in the policy during the term of coverage.  The policies usually require that you be unemployed for a specific amount of time (usually 30 days) before the benefit is paid.  Some policies are retroactive and will pay for the waiting period.
 
How Much Will The Policy Cost?
 
The price of the policy is dependent upon a number of factors including the amount of the loan or debt, the type of credit and the type of policy.  Companies will charge premiums by either using a single premium method or a monthly outstanding balance method.
 
Single Premium Method – The insurance premium is calculated at the time of the loan, and added to the amount of your loan.  Therefore, you become responsible for the entire premium at the time you purchase the policy.  Your monthly loan payment includes a portion of the initial loan, a portion of the insurance premium, and the interest charge for the month.
 
Monthly Outstanding Balance Method – This method is generally used for credit cards, revolving home equity loans or other similar debts.
  • For open end accounts, such as credit cards where the amount of the debt may increase over time, the amount of insurance may vary from month to month.  As a result, the premium is charged to the insured monthly and is based on the monthly debt either by using the end of the month balance or the average daily balance depending upon the terms of the policy.  This amount will appear as a separate charge on the statement from the lender.  The monthly insurance premium is part of each month’s required minimum payment.
  • The closed end account method has fixed terms at the time of the original debt.  The amount of the debt may not change and the insured has a fixed amount that is due every month.  It is important to note that failure to pay this amount on time every month could result in cancellation of the policy or that an additional balance will be due at the loan maturity date.  Read the details of your payment agreement carefully so that you understand the terms of repayment.
 
May I Cancel My Policy?

Yes, you can cancel your credit insurance policy.  You should check the terms of your policy to find out how to cancel it.  If you have a single premium method policy, you will be entitled to a refund for the unused months of insurance.  Your policy should explain how the refund is calculated. It is important to understand that the single premium method refund will be paid to your lender to reduce your loan balance.  The amount of your monthly payment will not change; however, your loan will be paid off earlier than the loan maturity date if your monthly loan payments are paid as scheduled.  If you have a monthly outstanding balance method policy you may not be entitled to a refund.  Since the insurance premium is charged to you just one month at a time, generally there will not be any months of unused insurance coverage.  Also, you should be aware that many policies give the insured a “free look” period, typically 10 days, during which they can cancel the policy without penalty.  Remember, it is important that you read the terms of your policy so that you understand how to cancel your policy.
 
Where Can I Purchase Credit Insurance?
 
Credit insurance is underwritten by insurance companies and is available through lenders and financing companies (i.e. banks, finance companies, credit unions, credit card companies) as well as retail outlets (automobile dealers, appliance stores, furniture stores, etc.)  You may also receive information in the mail or along with your credit card bills offering you this coverage.  Before you sign any agreement to purchase a credit insurance policy, make certain that you fully understand the terms and the cost of the policy.  Credit insurance policies must be approved by the Maryland Insurance Administration before they are sold.  If you have questions, contact us at (800) 492-6116 or (410) 468-2000.
 
May I Be Turned Down For Credit Insurance?
 
Although most policies are guaranteed issue, some may deny coverage based on the applicant’s health, age or employment status and history.
 
Things You Should Consider BEFORE Buying Credit Insurance
  1. Do you have another insurance policy, savings, investment or other funds to pay this debt in the event of your death, disability or loss of job?
  2. How much will the policy cost?
  3. Would it be preferable to buy a term life insurance or disability insurance policy?
  4. Do you pay the premium monthly or will it be financed and added to the total amount of the loan?
  5. Will the credit insurance cover the entire amount of the loan?
  6. If you are purchasing either credit disability or credit involuntary unemployment insurance, you should determine the length of the waiting period before you are entitled to the benefit and whether the benefit is retroactive.
  7. What are the limits or exclusions?
  8. Are there limits on the amount the policy pays?
  9. What if you have a co-borrower?  Does that impact payment?  If so, how?
  10. If I cancel, what type of refund will I receive?

Contact the Maryland Insurance Administration at (410) 468-2000 or (800) 492-6116 if you have questions regarding an insurance policy or insurance company.

Cybersecurity

Dental Plans

 

Disability Insurance

 

Disability Insurance - The Basics Video​

Lunch with MIA: Disability Insurance

​View video of webinar HERE.
View hard copy of presentation HERE​.


Disaster Preparedness

 

Videos

  • Virtual Disaster Center - May 25, 2023
    View video HERE​
    View slide presentation HERE
  • After the storms - Assistance is Available

    August 11
    View video HERE.
    View hard copy presentation HERE.

    July 12
    View video HERE.
    View hard copy presentation HERE.

  • ​​Disaster Preparedness Month September 2022 - Task of the Week #4: Video
  • Disaster Preparedness Month September 2022 - Task of the Week #3: Video
  • Disaster Preparedness Month September 2022 - Task of the Week #2: Video​
  • Disaster Preparedness Month September 2022 - Task of the Week #1: Video
  • Filing a Weather-Related Claim: Video
  • Be Prepared Before Disaster Strikes: Video
  • Because Your Family Matters An Insurance Disaster Preparedness Review: Webinar
  • Flooding in Maryland is More Common than You Think: Video
  • Maryland Flood Awareness Month: Video
  • Flood Insurance Tips: Video
  • Flood Insurance Preparation: Whiteboard video
  • What to do before a disaster: Video
    Que hacer ante un desastre
  • What to do after a disaster: Video
    que hacer despues de un desastre
  • If a tree falls on your property, are you covered by your homeowners policy? Video
  • Storm damaged vehicles and comprehensive coverage: Video
  • There's Been a Disaster - What Should I Do? Video​
  • Tips to Help Prepare for a Disaster Video
  • Do I Need Flood Insurance? Video
    Necesito un seguro contra inundaciones: Video
  • Tips for Purchasing Flood Insurance: Video

Farm Insurance

Flood Insurance

Fraud

 

​Click HERE for more information on insurance fraud​​

General Information - How the MIA Can Help

 

Videos

  • Back to School Insurance Tips: Video​
  • What the MIA Does to Help Consumers: Video
  • Have a question or problem? The MIA is here to help! Video
  • Questions about Insurance? MIA Can Help: Video 
    La MIA está aquí para ayudar: Video
  • How the MIA's Property and Casualty Unit can help you: video
  • How the MIA's Compliance and Enforcement Unit can help you: video
  • Have a complaint about your auto or homeowners insurance policy? The MIA is here to help. Video

Glossary of Insurance Terms

Health Insurance

 
  • ​​​​​​Click HERE for Health Insurance Information
  • Click HERE for Health Resources for the Uninsured and those lacking Legal Status​

  • Click HERE for the Health Care Assistance Team (H-CAT)

Videos

Homeowners/Renters Insurance

 
​​​​​​​​​General Information about homeowners insurance

Condominimum Coverage

General information about renters insurance 
NEW - List of companies that offer specialty manufactured home insurance policies 
 
TITLE INSURANCE

Earthquake Insurance
While a homeowner’s policy typically does not cover damages from an earthquake, consumers may be able to purchase a separate earthquake insurance policy or endorsement. The terms, conditions and exclusions in an earthquake insurance policy or endorsement will vary from one insurer to the next. Read the policy or endorsement, and talk to your insurance producer when considering your purchase of earthquake insurance. For more general information about such policies, see the National Association of Insurance Commissioner’s brochure "A Consumer's Guide to Earthquake Insurance."


Rates

Claims

 
Cancellation/Nonrenewal
 
Rebuilding after your claim
Miscellaneous

Videos
General Information

  • Spring is an excellent time to review your homeowners policy: video
  • Create a home inventory: Video
    Realice un inventario de su hogar: Video
  • Homeowners insurance tips from the MIA: Video
  • Flooding and Homeowners Insurance: Video
  • NEW Have a complaint about your auto or homeowners insurance policy? The MIA is here to help. Video
  • NEW Shopping for Insurance: Video
  • NEW Questions to ask about your homeowners insurance policy: Video

Renters

  • Renters Insurance: Video
    Seguro Para Inquilinos: Video
  • I'm a Renter, what Should i do to Prepare for a Disaster?: Webinar
  • Understanding Renters Insurance: Video

Condominiums

  • Condominium insurance tips from the MIA: Video

Claims

Rates

Miscellaneous

Insurance Fraud

 
  • ​​​Click HERE for more information on insurance fraud

Videos

  • Insurance fraud is a costly crime and one the the Maryland Insurance Administration takes seriously: Video
  • Get to know the Insurance Fraud Unit: Video
  • The cost of insurance fraud: Video

Below are links to short videos on insurance fraud produced by the Coalition Against Insurance Fraud​

Life Insurance

 

​​​General Information

Miscellaneous

Videos

  • NEW Life Insurance for Young Adults: Video
  • NEW Annuties 101: Video
  • Don't let life insurance policy benefits go unclaimed: Video
  • How to find a missing life insurance policy: Video
  • How to Purchase life insurance: Video
  • What is Universal Life Insurance: Video​
  • The LIfe and Health unit is here to help: Video
  • The Life and Health Complaints Unit May be Able to Help: Video

Long-Term Care

Medical Liability

 
  • ​​​​Maryland Medical Professional Liability Insurance Rates Comparison Guide

Medicare Supplement Information

Pet Insurance Information

Premium Finance

Sharing Economy

Title Insurance

Travel Insurance

Download the Home Inventory App​

Health Resources for the Uninsured 
and those lacking Legal Status​
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​​We want to hear from you: 
U​pcoming Listening Sessions
 

Read our Consumer Publications. These materials provide information about most types of insurance from auto, homeowners, health and life policies to annuities, title insurance and coverage for boats.

If your community group, HOA or organization is interested in a virtual presentation contact Joyce Peach at joyce.peach@maryland.gov.

Are you interested in requesting a speaker? Click HERE!​​

Human Trafficking GET HELP

National Human Trafficking Hotline - 24/7 Confidential

1-888-373-7888 233733 More Information on human trafficking in Maryland

Customer Service Promise

The State of Maryland pledges to provide constituents, businesses, customers, and stakeholders with friendly and courteous, timely and responsive, accurate and consistent, accessible and convenient, and truthful and transparent services.

Take Our Survey

Help Stop Fraud in State Government

The Maryland General Assembly’s Office of Legislative Audits operates a toll-free fraud hotline to receive allegations of fraud and/or abuse of State government resources. Information reported to the hotline in the past has helped to eliminate certain fraudulent activities and protect State resources.

More Information