# Insurance (GIN)

## Title 19. Property and Casualty Insurance

### Subtitle 3. Fire Insurance Application Act

#### Section 19-305

(a)

  (1) The Commissioner shall adopt a two-tier antiarson application form that requires an applicant to complete a second-tier supplementary application if the initial first-tier application elicits certain predesignated answers.

  (2) In adopting the antiarson application form, the Commissioner shall consider generally recognized two-tier application forms.

(b) An antiarson application shall include:

  (1) the name and address of the applicant, any mortgagee, and any other party with an ownership interest in the property to be insured;

  (2) the amount of insurance requested and the method of valuation used to establish that amount;

  (3) the dates and selling prices of the property to be insured in all real estate transactions involving the property during the 3-year period immediately preceding the date of the antiarson application;

  (4) the applicant's history of losses during the 5-year period immediately preceding the date of the antiarson application with regard to any property:

    (i) in which the applicant held an interest, including a partnership or mortgage interest, that is substantial; and

    (ii) that sustained a fire loss exceeding 25% of the insured value;

  (5) all taxes that are unpaid or overdue for 1 or more years; and

  (6) the present occupancy of the property to be insured.

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