<?xml version='1.0' encoding='utf-8'?>
<regulation prefix="Regulation" num=".03" citation="COMAR 31.08.13.03" title_num="31" subtitle_num="08" chapter_num="13" heading="Definitions.">
  <paragraph num="A.">
    <text>In this chapter, the following terms have the meanings indicated.</text>
  </paragraph>
  <paragraph num="B.">
    <text>Terms Defined.</text>
    <paragraph num="(1)">
      <text>“Delivery by electronic means” includes:</text>
      <paragraph num="(a)">
        <text>Delivery to an electronic mail address at which a party has consented to receive notice; and</text>
      </paragraph>
      <paragraph num="(b)">
        <text>Posting on an electronic network, together with separate notice to a party directed to the electronic mail address at which the party has consented to receive notice of the posting.</text>
      </paragraph>
    </paragraph>
    <paragraph num="(2)">
      <text>Homeowner’s Insurance.</text>
      <paragraph num="(a)">
        <text>“Homeowner’s insurance” means insurance for residential property that provides one or more of the following coverages:</text>
        <paragraph num="(i)">
          <text>Fire;</text>
        </paragraph>
        <paragraph num="(ii)">
          <text>Extended coverage;</text>
        </paragraph>
        <paragraph num="(iii)">
          <text>Vandalism and malicious mischief;</text>
        </paragraph>
        <paragraph num="(iv)">
          <text>Burglary;</text>
        </paragraph>
        <paragraph num="(v)">
          <text>Theft; or</text>
        </paragraph>
        <paragraph num="(vi)">
          <text>Personal liability.</text>
        </paragraph>
      </paragraph>
      <paragraph num="(b)">
        <text>“Homeowner’s insurance” does not include:</text>
        <paragraph num="(i)">
          <text>An umbrella policy; or</text>
        </paragraph>
        <paragraph num="(ii)">
          <text>Property insurance or casualty insurance issued to an individual, a sole proprietor, partnership, corporation, limited liability company, or similar entity and intended to insure against loss arising from the business pursuits of the insured entity.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="(3)">
      <text>“Hurricane warning” means a warning by the National Hurricane Center of the National Weather Service that hurricane conditions are expected in any part of the State.</text>
    </paragraph>
    <paragraph num="(4)">
      <text>“National Hurricane Center of the National Weather Service” includes:</text>
      <paragraph num="(a)">
        <text>The National Hurricane Center in Miami, Florida; and</text>
      </paragraph>
      <paragraph num="(b)">
        <text>A regional National Weather Service Forecast Office covering any part of the State.</text>
      </paragraph>
    </paragraph>
    <paragraph num="(5)">
      <text>“Percentage deductible” means a deductible equal to a percentage of the Coverage A — Dwelling Limit of a homeowner’s insurance policy.</text>
    </paragraph>
    <paragraph num="(6)">
      <text>Residential Property.</text>
      <paragraph num="(a)">
        <text>“Residential property” means property that is used primarily as a residence.</text>
      </paragraph>
      <paragraph num="(b)">
        <text>“Residential property” includes:</text>
        <paragraph num="(i)">
          <text>A residence written on a personal farmowner’s policy form;</text>
        </paragraph>
        <paragraph num="(ii)">
          <text>A condominium unit;</text>
        </paragraph>
        <paragraph num="(iii)">
          <text>A mobile home; and</text>
        </paragraph>
        <paragraph num="(iv)">
          <text>A multiunit building if one of the units is occupied by the owner of the building and not more than three units are occupied by tenants.</text>
        </paragraph>
      </paragraph>
      <paragraph num="(c)">
        <text>“Residential property” does not include a boat.</text>
      </paragraph>
    </paragraph>
    <paragraph num="(7)">
      <text>“Underwriting standards” means:</text>
      <paragraph num="(a)">
        <text>Underwriting manuals, including any amendments or supplements to underwriting manuals; and</text>
      </paragraph>
      <paragraph num="(b)">
        <text>The generally accepted practices of an insurer contained in written underwriting instructions, guidelines, and rules that the insurer provides for use by its underwriters and insurance producers as standards for acceptance of risk.</text>
      </paragraph>
    </paragraph>
  </paragraph>
</regulation>