Maryland auto minimums are $30,000/$60,000/$15,000 liability, matching UM/UIM bodily injury, $15,000 UM property damage, and $2,500 PIP, with limited options to limit or waive PIP.
Maryland auto cancellations and nonrenewals generally require 45 days' certified notice, or 10 days for nonpayment. You may protest within 30 days, and Maryland Auto Insurance is the residual market.
A standard Maryland homeowners policy generally does not cover flood. NFIP flood insurance usually has a 30-day wait, with building limits up to $250,000 and contents up to $100,000.
File a Maryland insurance complaint in writing with the Maryland Insurance Administration, preferably through the online portal, and allow up to 90 days for a decision.
Maryland's Joint Insurance Association is the FAIR Plan for people who cannot obtain essential property insurance in the competitive market. It writes homeowners, dwelling, and commercial property coverage.
Maryland UM/UIM coverage is mandatory, generally matches your liability limits, and is always at least $30,000/$60,000/$15,000. It usually does not apply if you are at fault.