# Insurance (GIN)

## Title 11. Insurance Rating Law

### Subtitle 2. Prior Approval Rate Making

#### Section 11-213

(a) All homeowner's insurance rates shall be made in accordance with the principles set forth in this section.

(b)

  (1) An insurer under a homeowner's insurance policy may not classify or maintain an insured for a period longer than 3 years in a classification that entails a higher premium because of a specific claim.

  (2) For the purpose of determining whether to classify an insured in a classification that entails a higher premium, an insurer may review only a period not greater than 3 years before:

    (i) if the policy has not yet been issued:

      (1) the date of the application; or

      (2) the proposed effective date of the policy; or

    (ii) on renewal of a policy, the effective date of the renewal.

  (3)

    (i) The removal of, reduction of, or refusal to apply a discount is not a violation of this subsection if the claim resulting in the removal of, reduction of, or refusal to apply the discount was filed not more than 5 years before the removal, reduction, or refusal.

    (ii) Subparagraph (i) of this paragraph may not be construed to prevent an insurer from granting a claim-free discount to an insured.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)