Maryland insurance regulator
The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.
Links checked Sep 12, 2026. Sites change — tell us if a link is broken.
This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.
- Bodily injury liability, per person
- $30,000
- Bodily injury liability, per accident
- $60,000
- Property damage liability
- $15,000
- Personal injury protection (PIP)
- PIP minimum $2,500. The first named insured can waive it on a written form.
- Uninsured motorist coverage
- Required
UM is required at 30/60/15. Only the extra UM matching higher liability limits can be waived.
Source: Maryland Code, Transportation § 17-103 · Md. Code, Transp. § 17-103; Md. Code, Ins. §§ 19-505, 19-506, 19-509 · Reviewed Sep 13, 2026
These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.
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Maryland Joint Insurance Association FAIR Plan
Homeowners, renters, condo and dwelling fire policies. It doesn’t cover flood.
Where: Statewide
Claims: 410-539-6808
Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.
- NFIP claims, 2016–2025
- 2,967
- $59.3 million paid
- NFIP claims in 2025
- 135
- $3.0 million paid
Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this
Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.