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Maryland Personal Lines Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer — Personal Lines (Business Entity)

Entity authority; individual soliciting producers must hold their own line licenses.

Licensing authority: Maryland Insurance Administration · Application information

Initial business entity licensure
No examination is required for this applicant pathway.
Applicant
Resident entity, or nonresident entity meeting applicable Maryland entity requirements without reciprocal waiver.
Application
Uniform Business Entity Application and $54 fee; supply trade names, licensed producers, persons controlling fiscal management, owners/members/managers and corporate directors.
Individual licenses
Soliciting, negotiating or accepting public insurance business requires each individual’s own license for the line and an insurer appointment when applicable. The entity has no entity examination under §10-106.
Principal contact
Designate a Maryland-licensed insurance producer as principal contact with MIA.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal business entity licensure
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and applicable fee; subject to §10-126 denial grounds.
Home license
Currently licensed as a resident producer in good standing in the home state for the requested line.
Maintenance
Maintain home-state resident producer licensure in good standing.
Principal contact
Designate a Maryland-licensed insurance producer as principal contact with MIA.
Reciprocity
Home state awards nonresident producer licenses to Maryland residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after 60 days and within one year
No examination is required for this applicant pathway.
Application
Submit the reinstatement application, $69 renewal fee and $100 reinstatement fee, plus proof of applicable CE completion.
Board instruction
MIA’s reinstatement instructions say "proof of completion of the continuing education requirements in § 10-408". The controlling producer statute §10-116.1(a)(3) instead identifies §10-116; use that statutory producer CE requirement.
Deadline
Apply more than 60 days, but no later than one year, after expiration.
Effect
Reinstatement is prospective on the reinstatement date.
Prohibition
An expired-license holder may not conduct insurance business until reinstatement is effective.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within 60 days
No examination is required for this applicant pathway.
Application
Submit the reinstatement application, $69 renewal fee and $100 reinstatement fee, plus proof of applicable CE completion.
Board instruction
MIA’s reinstatement instructions say "proof of completion of the continuing education requirements in § 10-408". The controlling producer statute §10-116.1(a)(3) instead identifies §10-116; use that statutory producer CE requirement.
Deadline
Apply within 60 days of expiration.
Effect
Reinstatement is retroactive to the expiration date.
Prohibition
An expired-license holder may not conduct insurance business until reinstatement is effective.

Official no-examination sources

Effective from 2026-09-22.

Business entity reapplication after expiration beyond one year
No examination is required for this applicant pathway.
Applicant
Entity license expired more than one year; complete initial entity qualifications.
Application
Uniform Business Entity Application and $54 fee; supply trade names, licensed producers, persons controlling fiscal management, owners/members/managers and corporate directors.
Ce chart instruction
The general MIA CE chart states "Licenses expired more than one (1) year may be reissued after passing the MD exam". §10-106 and MIA’s entity application requirements impose entity qualifications without an entity examination.
Individual licenses
Soliciting, negotiating or accepting public insurance business requires each individual’s own license for the line and an insurer appointment when applicable. The entity has no entity examination under §10-106.
Principal contact
Designate a Maryland-licensed insurance producer as principal contact with MIA.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Application
Renew before expiration with the renewal application and $69 fee; remain entitled to a license and satisfy the Comptroller tax/unemployment-contribution clearance under §10-115(g).
Continuing education
Keep designated individual producers properly licensed; COMAR 31.03.02 applies CE to individual resident and nonresident producers.
Individual licenses
Soliciting, negotiating or accepting public insurance business requires each individual’s own license for the line and an insurer appointment when applicable. The entity has no entity examination under §10-106.
Principal contact
Designate a Maryland-licensed insurance producer as principal contact with MIA.
Term
Business entity licenses expire two years after issuance.

Official no-examination sources

Effective from 2026-09-22.

Personal Lines Insurance Producer License

Individual personal lines of property and casualty authority.

Licensing authority: Maryland Insurance Administration · Application information

Add Personal Lines to an active producer license
Personal Lines
Applicant
Active individual producer licensee adding Personal Lines.
Language
English and Spanish delivery are listed by the exam owner as codes 2029 and 2049 for the Personal Lines examination.
License update
MIA instructs a producer who passes the additional-line examination not to apply for a new license; review the existing license in 2-3 business days.
Reinstatement after 60 days and within one year
No examination is required for this applicant pathway.
Application
Submit the reinstatement application, $69 renewal fee and $100 reinstatement fee, plus proof of applicable CE completion.
Board instruction
MIA’s reinstatement instructions say "proof of completion of the continuing education requirements in § 10-408". The controlling producer statute §10-116.1(a)(3) instead identifies §10-116; use that statutory producer CE requirement.
Deadline
Apply more than 60 days, but no later than one year, after expiration.
Effect
Reinstatement is prospective on the reinstatement date.
Prohibition
An expired-license holder may not conduct insurance business until reinstatement is effective.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement with discretionary procedural waiver
No examination is required for this applicant pathway.
Applicant
Producer unable to meet renewal and reinstatement procedures due to uniformed-service duties or other extenuating circumstances, including long-term medical disability.
Discretion
§10-116.1(f) permits the Commissioner to waive the procedures; it grants no automatic waiver.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within 60 days
No examination is required for this applicant pathway.
Application
Submit the reinstatement application, $69 renewal fee and $100 reinstatement fee, plus proof of applicable CE completion.
Board instruction
MIA’s reinstatement instructions say "proof of completion of the continuing education requirements in § 10-408". The controlling producer statute §10-116.1(a)(3) instead identifies §10-116; use that statutory producer CE requirement.
Deadline
Apply within 60 days of expiration.
Effect
Reinstatement is retroactive to the expiration date.
Prohibition
An expired-license holder may not conduct insurance business until reinstatement is effective.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after expiration beyond one year
Personal Lines
Applicant
Individual producer whose license expired more than one year ago; complete initial licensing requirements.
Application
Accurate, complete NAIC Uniform Individual Application and $54 initial fee.
Character
Good character and trustworthy; no acts warranting denial under §10-126.
Language
English and Spanish delivery are listed by the exam owner as codes 2029 and 2049 for the Personal Lines examination.
Minimum age
At least 18 years old under §10-104(d).
Other exemptions
Independently applicable prior-state licensing or relocating-resident statutory examination exemptions remain available under the separately recorded routes.
Prelicensing
Prelicensing education and minimum experience before examination were repealed effective October 1, 2024.
Score age
Pass before applying; COMAR 31.03.20.02 gives a passing score one year of validity.
Nonresident licensure meeting resident requirements
Personal Lines
Applicant
Nonresident whose state of residence does not issue a producer license or equivalent; meet the Maryland resident requirements.
Application
Accurate, complete NAIC Uniform Individual Application and $54 initial fee.
Character
Good character and trustworthy; no acts warranting denial under §10-126.
Language
English and Spanish delivery are listed by the exam owner as codes 2029 and 2049 for the Personal Lines examination.
Minimum age
At least 18 years old under §10-104(d).
Prelicensing
Prelicensing education and minimum experience before examination were repealed effective October 1, 2024.
Score age
Pass before applying; COMAR 31.03.20.02 gives a passing score one year of validity.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application and applicable fee; subject to §10-126 denial grounds.
Home license
Currently licensed as a resident producer in good standing in the home state for the requested line.
Maintenance
Maintain home-state resident producer licensure in good standing.
Reciprocity
Home state awards nonresident producer licenses to Maryland residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Application
Renew before expiration with the renewal application and $69 fee; remain entitled to a license and satisfy the Comptroller tax/unemployment-contribution clearance under §10-115(g).
Continuing education
Home-state CE meets Maryland requirements when the home state reciprocally accepts Maryland resident CE; otherwise satisfy applicable Maryland CE.
Home license
Maintain home-state resident producer licensure in good standing.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with prior state examination exemption
No examination is required for this applicant pathway.
Exemption alternatives
Currently licensed in the home state; OR application received within 90 days after previous-license cancellation with prior-state certification of good standing at cancellation; OR NAIC database records show current or previous good-standing licensure for the requested line.
Other qualifications
Meet remaining applicable licensing, application and fee requirements; §10-119(b)(2) waives the specified examinations.
Prior authority
Previously licensed in another state for the same lines requested.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after relocation
No examination is required for this applicant pathway.
Applicant
Producer licensed in another state who moves to Maryland and seeks a line held in the prior state.
Application
Submit resident uniform application and applicable fee.
Deadline
Apply for resident licensure within 90 days after establishing Maryland legal residence.
Regulatory exception
The §10-119(h)(2) examination exemption applies except where the Commissioner determines otherwise by regulation.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Personal Lines
Applicant
Resident individual requesting Personal Lines authority.
Application
Accurate, complete NAIC Uniform Individual Application and $54 initial fee.
Character
Good character and trustworthy; no acts warranting denial under §10-126.
Language
English and Spanish delivery are listed by the exam owner as codes 2029 and 2049 for the Personal Lines examination.
Minimum age
At least 18 years old under §10-104(d).
Prelicensing
Prelicensing education and minimum experience before examination were repealed effective October 1, 2024.
Score age
Pass before applying; COMAR 31.03.20.02 gives a passing score one year of validity.
Resident biennial renewal
No examination is required for this applicant pathway.
Application
Renew before expiration with the renewal application and $69 fee; remain entitled to a license and satisfy the Comptroller tax/unemployment-contribution clearance under §10-115(g).
Ce waiver
Documented written CE waiver requests are subject to the Commissioner’s discretion.
Continuing education
For Personal Lines only, 24 hours per renewal period: 21 Property/Casualty and 3 Ethics. Combined authorities follow the applicable combined CE allocation.
Designation credit
COMAR 31.03.02.03H allows approved CE credit for passing examinations and earning listed national professional designations. These are designation/curriculum qualifications rather than identified Personal Lines licensure examinations; submit designation examination results. The credits cannot fulfill Ethics hours.
Flood ce
COMAR 31.03.02.03F requires 2 hours of flood-related education for property/casualty licensees selling flood, homeowners or commercial-property insurance.
Grandfathered ce
Eight-hour reduced CE for continuously licensed producers meeting the October 1, 2008 grandfather rule; MIA states an existing waiver for producers aged 70 or older as of April 30, 2013. No new qualifiers.
Timing
§10-116(a)(2) requires CE completion at least 15 days before expiration. MIA’s chart separately states: "Complete CEs 30 days before the license expiration date. Providers have up to 10 days to report the course completion."

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer

Temporary continuation of a producer business, restricted to the replaced producer’s lines.

Licensing authority: Maryland Insurance Administration · Application information

Temporary continuation after a producer’s death
No examination is required for this applicant pathway.
Applicant
Surviving spouse, next of kin, personal representative or its appointee, or employee of the deceased producer’s firm or officer/employee of its corporation.
Application
Commissioner’s temporary-license application and applicable fee.
Duration
Expires 15 months after its effective date under §10-120(e); disposition of the business terminates the temporary license under COMAR 31.03.01.01D.
Nonresidents
COMAR 31.03.01.01A generally allows consideration of nonresidents only in unusual circumstances.
Otherwise qualified
Otherwise qualified; obtain the temporary license before acting and an insurer appointment where applicable.
Scope
Restricted to kinds held by the replaced producer, including Personal Lines only if the replaced producer held that authority.

Official no-examination sources

Effective from 2026-09-22.

Temporary continuation during a producer’s disability
No examination is required for this applicant pathway.
Applicant
Spouse, next of kin, employee or legal guardian of a mentally or physically disabled producer, or employee of the producer’s firm or officer/employee of its corporation.
Application
Commissioner’s temporary-license application and applicable fee.
Duration
Expires 15 months after its effective date under §10-120(e); disposition of the business terminates the temporary license under COMAR 31.03.01.01D.
Nonresidents
COMAR 31.03.01.01A generally allows consideration of nonresidents only in unusual circumstances.
Otherwise qualified
Otherwise qualified; obtain the temporary license before acting and an insurer appointment where applicable.
Scope
Restricted to kinds held by the replaced producer, including Personal Lines only if the replaced producer held that authority.

Official no-examination sources

Effective from 2026-09-22.

Temporary license renewal application
No examination is required for this applicant pathway.
Application
Renewal application must be received before the existing temporary license expires.
Approval
The rule names a renewal application but grants no automatic extension or additional duration; issuance remains subject to statutory temporary eligibility and the Commissioner.
Duration
Expires 15 months after its effective date under §10-120(e); disposition of the business terminates the temporary license under COMAR 31.03.01.01D.
Nonresidents
COMAR 31.03.01.01A generally allows consideration of nonresidents only in unusual circumstances.
Otherwise qualified
Otherwise qualified; obtain the temporary license before acting and an insurer appointment where applicable.
Scope
Restricted to kinds held by the replaced producer, including Personal Lines only if the replaced producer held that authority.

Official no-examination sources

Effective from 2026-09-22.

Personal Lines

Provider
Prometric
Format
Four-option multiple choice; test center or remote proctoring; English or Spanish
Exam questions
100 scored questions plus 10 unscored questions
Time limit
2 hours 15 minutes
Passing score
70% or higher
Exam fee
$62
Examination outline
  • 1.0 Insurance Regulation (30%)
    • 1.1 Licensing Purpose Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) Initial Licensure Qualifications Examination License fee & application Exemptions to Licensure Types of licensees Producers Business entity producers Nonresident producers Temporary Advisers Public insurance adjusters Limited Lines Producer Portable Electronics Insurance Limited Lines license Maintenance and duration(Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) Reinstatement and renewal Address change Reporting of actions Assumed names Continuing education requirements, exemptions and penalties Disciplinary actions Cease and desist order Hearings Probation, suspension, revocation, refusal to issue or renew Penalties and fines
    • 1.2 State regulation Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205 (a)(2)) State Specific Definitions (Insurance Article Annotated Code- Sec. 10-401; Sec. 27-209; Sec. 27-213; Sec. 10-201; Sec 10-126; Ref: COMAR Sec. 31.08.06.02) Company regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) Certificate of authority Solvency Rates Policy forms Examination of books and records Producer appointments Producer's Contract with Insurer versus Producer's Appointment with Insurer Producer's Individual Appointment versus Business Entity Appointment Maintaining Record of Appointment Notice Termination of producer appointment Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) Examination of Books and Records Insurance Information and Privacy Protection Fiduciary Responsibilities (COMAR- Sec. 31.03.03) Bail Bond (COMAR- Sec. 31.03.05.02(B)(1); Sec. 31.03.05.05) Acting for Unlicensed Insurer Record Retention Activities of Unlicensed Individual Payment and sharing of Commissions Charging of fees Responsibility for Trust Accounts Complaint Record Binders Solvency Rates and Forms Impersonation Larceny Unlicensed persons compensation Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) Misrepresentation False advertising Defamation of insurer Boycott, coercion and intimidation False financial statements Failure to maintain complaint record Unfair discrimination (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) Unfair claims settlement practices Rebating Insurance fraud regulation Insurance Information and Privacy Protection Competitive Rating
    • 1.3 Federal regulation Fair Credit Reporting Act (15 USC 1681–1681d; Insurance Article Annotated Code- Sec. 27-501) Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • 1.4 Maryland laws, regulations and required provisions Maryland Insurers Insolvency Fund Cancellation and nonrenewal (Insurance Article Annotated Code- Sec. 27-609) Concealment, misrepresentation or fraud Appraisal Federal Terrorism Insurance Program
    • 1.5 Maryland auto insurance policy State Auto Insurance Laws & Regulations State Required Limits of Liability (Insurance Article Annotated Code- Sec. 19-512; Sec. 19-504.1(3)(ii); Sec. 19-106; Sec. 17-103) Uninsured/Underinsured Motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03 Definitions Compulsory coverage Bodily injury to others Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05) Benefits/waivers Exclusions Damage to someone else's property Uninsured/underinsured motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03) Coverage for damage to your auto Medical payments Collision Limited collision Comprehensive Deductibles Substitute transportation Towing and labor General provisions Duties after an accident or loss Selected endorsements Use of other autos — vehicles furnished or available for regular use Coverage for anyone renting an auto to you additional insured — lessor Named Driver Exclusion Maryland Automobile Insurance Fund (MAIF) (Insurance Article Annotated Code- Sec. 20-501(b); Sec. 20-502; Sec. 20-509(e-1)(ii); Sec. 20-201; Sec. 20-511)
  • 2.0 General Insurance (8%)
    • 2.1 Concepts Risk management key terms Risk Exposure Hazard Peril Loss Methods of handling risk Avoidance Retention Sharing Reduction Transfer Elements of insurable risks Adverse selection Law of large numbers Reinsurance
    • 2.2 Insurers Types of insurers Stock companies Mutual companies Reciprocals Self Insurers Risk retention groups Surplus lines carriers Purchasing groups Private versus government insurers Admitted versus nonadmitted insurers Domestic, foreign and alien insurers Financial status (independent rating services) and operating results Marketing (distribution) systems
    • 2.3 Producers and general rules of agency Types Captive Independent Insurer as principal Producer of insurer Authority and powers of producers Express Implied Apparent Responsibilities to the applicant/insured
    • 2.4 Contracts Elements of a legal contract Offer and acceptance Consideration Competent parties Legal purpose Distinct Characteristics of an Insurance Contract Contract of adhesion Aleatory contract Personal contract Unilateral contract Conditional contract Legal interpretations affecting contracts Ambiguities in a contract of adhesion Reasonable expectations Indemnity Utmost good faith Representations/misrepresentations Warranties Concealment Fraud Waiver and estoppel
  • 3.0 Property and Casualty Insurance Basics (9%)
    • 3.1 Principles and concepts Insurable interest Underwriting Function Loss ratio Rates Types Loss costs Components Hazards Physical Moral Morale Negligence Elements of a negligent act Defenses against negligence Proximate cause Torts Damages Compensatory — special versus general Punitive Absolute liability Strict liability Vicarious liability Causes of loss (perils) Named perils versus special (open) perils Direct loss Consequential or indirect loss Blanket versus specific insurance Basic types of construction Loss valuation Actual cash value Replacement cost Functional replacement cost Guaranteed replacement cost Market value Agreed value Stated amount Valued policy
    • 3.2 Policy structure Declarations Definitions Insuring agreement or clause Additional/supplementary coverage Conditions Exclusions Endorsements
    • 3.3 Common policy provisions Insureds — named, first named and additional Policy period Policy territory Cancellation and nonrenewal Deductibles Other insurance Nonconcurrent Primary and excess Pro rata Contribution by equal shares Limits of liability Per occurrence (accident) Per person Split Combined single Restoration/nonreduction of limits Coinsurance Third Party Provisions Vacancy or unoccupancy Named insured provisions Duties after loss Assignment Abandonment Insurer provisions Liberalization Subrogation Salvage Claim settlement options Duty to defend Lien holder provisions Standard mortgage clause Loss payable clause No benefit to the bailee
  • 4.0 Casualty Specific (10%)
    • 4.1 Strict Liability
    • 4.2 Vicarious Liability
    • 4.3 Limits of Liability Per occurrence (accident) Per person Aggregate (general versus products) completed operations Split Combined single
    • 4.4 Restoration - Non-Reduction of Limits
    • 4.5 Named lnsured Provisions Duties after loss Assignment Abandonment
    • 4.6 Insurer Provisions Liberalization Subrogation Salvage Claim settlement options Duty to defend
  • 5.0 Property Specific (9%)
    • 5.1 Causes of Loss (Basic, Broad and Special Forms)
    • 5.2 Direct Loss
    • 5.3 Consequential vs Indirect Loss
    • 5.4 Basic Types of Construction
    • 5.6 Coinsurance
    • 5.7 Loss Valuation Actual cash value Replacement cost Functional replacement cost Guaranteed Replacement Cost Market value Agreed value
  • 6.0 Dwelling Policy (10%)
    • 6.1 Characteristics and purpose
    • 6.2 Coverage forms — Perils insured against DP-1 Basic DP-2 Broad DP-3 Special
    • 6.3 Property coverages Coverage A — Dwelling Coverage B — Other structures Coverage C — Personal property Coverage D — Fair rental value Coverage E — Additional living expense Other coverages
    • 6.4 General exclusions
    • 6.5 Conditions
    • 6.6 Personal liability supplement
    • 6.7 Selected Endorsements Automatic Increase in Insurance Dwelling Under Construction Broad Theft Coverage Limited Theft Coverage Special Provisions
  • 7.0 Homeowners Policy (14%)
    • 7.1 Characteristics and Purpose
    • 7.2 Coverage forms HO-3 Special HO-4 Tenants HO-5 Comprehensive HO-6 Condominium Unit-Owners
    • 7.3 Definitions
    • 7.4 Section I — Property coverages Coverage A — Dwelling Coverage B — Other structures Coverage C — Personal property Coverage D — Additional Living Expense and Fair Rental Value Loss of Use
    • 7.5 Section II — Liability coverages Coverage E — Personal liability Coverage F — Medical payments to others
    • 7.6 Perils insured against
    • 7.7 Additional coverages Debris removal Reasonable repairs Trees, shrubs and other plants Fire department service charge Property removed Credit card, fund transfer card, forgery and counterfeit money Loss assessment Glass or safety glazing material Landlord's furnishings Building Additions and Alterations Claim expenses First aid expenses Damage to property of others
    • 7.8 Exclusions
    • 7.9 Conditions
    • 7.10 Other Policies Mobile Homes
    • 7.11 Selected Endorsements Business Pursuits Earthquake Home Day Care Permitted Incidental Occupancies Personal Injury Personal Property Replacement Cost Scheduled Personal Property Valuable papers Computers Watercraft Special Provisions
  • 8.0 Auto Insurance (8%)
    • 8.1 Personal auto policy Definitions Liability coverage Bodily injury and property damage Supplementary payments Exclusions Coverage for damage to your auto Collision Other than collision Deductibles Transportation expenses Exclusions Medical Payments Protection Against Uninsured/Underinsured Motorists General Provisions Conditions Duties after an accident or loss General provisions Selected endorsements Towing and labor costs Miscellaneous type vehicle Amendment of policy provisions — Maryland Medical expense and income loss benefits coverage — Maryland Transportation expenses coverage — Maryland Joint ownership coverage — Maryland Towing and labor costs — Maryland Extended non-owned coverage for named individual — Maryland Miscellaneous type vehicle — Maryland Uninsured motorists coverage — Maryland Loss Payable Clause
  • 9.0 Other Coverages and Options (2%)
    • 9.1 Personal umbrella Coverages Underlying Coverages Self-Insured Retention
    • 9.2 National Flood Insurance Program "Write your own" versus government Eligibility Coverage Limits Deductibles
    • 9.3 Boatowners including uninsured private pleasure watercraft coverage
    • 9.4 Basic Property Residual Market Maryland Property Insurance Association (FAIR plan)
    • 9.5 Inland marine Personal Articles floaters
Examination sources