# Insurance (GIN)

## Title 19. Property and Casualty Insurance

### Subtitle 1. General Provisions

#### Section 19-107

(a) An insurer may not refuse to issue or renew a contract of motor vehicle insurance, property insurance, or casualty insurance solely because the subject of the risk or the applicant's or insured's address is located in a certain geographic area of the State unless:

  (1) at least 60 days before the refusal, the insurer has filed with the Commissioner a written statement designating the geographic area; and

  (2) the designation has an objective basis and is not arbitrary or unreasonable.

(b) A statement filed with the Commissioner under this section is a public record.

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