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Consumer Publications

Click HERE for a printer friendly list or to request a copy of any listed brochure. 

The Maryland Insurance Administration (MIA) encourages consumers to learn as much as possible about their insurance before they make a purchase. These materials provide information about most types of insurance from auto, homeowners, health and life policies to annuities, title insurance, and coverage for boats. Learn about preparing for natural disasters, preventing insurance fraud, considering insurance options when traveling, and understanding how your credit score affects your insurance rates.  

If you do not see a publication that addresses your question(s), please send an email or call 1-800-492-6116 and ask for the Consumer Education and Advocacy Unit.

  General Information Farm Insurance Long-Term Care
  Annuities Flood/Disaster Insurance Medical Liability
  Automobile Insurance Health Insurance Premium Finance
  Boat & Personal Watercraft Insurance Homeowners/Renters Insurance Senior Citizen Assistance - Quick List
  Commercial Insurance Insurance Fraud Title Insurance
  Credit Insurance Life Insurance Travel Insurance
  Dental Insurance

All the forms and reports on MIA website are available for download in a .pdf format. If you do not have the free viewer from Adobe, select the button to the right and download the software prior to getting your forms. Image: /sa/images/adobereader.gif

 

GENERAL INFORMATION

Insurance Assistance for Maryland Consumers   [MIA-GE-1]

Insurance Assistance for Maryland Consumers / Asistencia De Seguro Para Los Consumidores de Maryland – En Español 

The Role of the Maryland Insurance Administration – 9 Language Translations

Finding Insurance Company Ratings

Insure U – An Overview of Auto, Home, Life and Health Insurance for Young Singles   [MIA-IU-1] 

Insure U – An Overview of Auto, Home, Life and Health Insurance for Young Families   [MIA-IU-2]

Insure U – An Overview of Auto, Home, Life and Health Insurance for Established Families   [MIA-IU-3]

Insure U – An Overview of Auto, Home, Life and Health Insurance for Empty Nesters & Seniors  [MIA-IU-4]

Consumer Alert – Protect Yourself: Buying Insurance on the Internet
a publication of the National Association of Insurance Commissioners

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ANNUITIES

A Consumer Guide to Annuities   [MIA-AN-1]

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AUTOMOBILE INSURANCE

A Consumer Guide to Auto Insurance   [MIA-A-1]

A Consumer Guide to Auto Insurance / Guía Para El Consumidor: Seguro de AutomóvilesEn Español

Auto Insurance – A Comparison Guide to Rates   [MIA-A-2]

A Consumer Guide to Auto Insurance for Teen & Young Adult Drivers  [MIA-A-5]

Tips on Shopping for Automobile Insurance

Shopping for Automobile Insurance Company/Policy Comparison Worksheet

Understanding Your Automobile Declarations Page

Companies Offering Coverage for Motorcycles In Maryland 

Companies Offering Coverage for Motor Homes/RVs in Maryland 

Companies Offering Coverage for All-Terrain Vehicles in Maryland 

Companies Offering Coverage for GAP Insurance in Maryland

Companies Offering Coverage for Antique/Collector Automobile Insurance in Maryland

Consumer Alert – Used Car Buyers: Beware of Hurricane Flood-Damaged Vehicles
a publication of the National Association of Insurance Commissioners

Move It! – What to Do If You’re Involved In A Traffic Collision  [DOT-20-103]
a publication of the Maryland Department of Transportation - State Highway Administration

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BOAT & PERSONAL WATERCRAFT INSURANCE

Consumer Guide to Insurance for Boats and Personal Watercraft  [MIA-WC-1]

Companies Offering Coverage for Boats and Personal Watercraft in Maryland

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COMMERCIAL INSURANCE

A Business Owners Guide to Commercial Insurance  [MIA-CO-1]

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CREDIT INSURANCE

What You Should Know Before You Purchase Credit Insurance  [MIA-CR-1]

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DENTAL INSURANCE

Insurance Carriers with Approved Individual Dental Policies

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FARM INSURANCE

A Consumer Guide to Farm Insurance   [MIA-FI-1]

Companies With Approved Farm Policies In Maryland (Personal and Commercial) [MIA-FI-2]

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FLOOD/DISASTER INSURANCE

An Insurance Preparedness Guide for Natural Disasters   [MIA-ND-1]

An Insurance Preparedness Guide for Natural Disasters / Guía De Preparación Del Seguro En Caso De Catástrofes Naturales  – En Español

A Consumer Guide to Disaster-Relief Resources [MIA-ND-2] 

A Consumer Guide to Disaster-Relief Resources / Guía Para El Consumidor: Sobre Recursos De Ayuda Ante Desastres – En Español

Property Damage – What to Do After A Loss  [MIA-ND-3]

Property Damage – What to Do After A Loss / Daño A La Propiedad Qué Hacer Después De Una Pérdida  – En Español

Weather Related Damage – Frequently Asked Questions about Insurance Coverage  [MIA-ND-4]

Weather Related Damage – Frequently Asked Questions about Insurance Coverage / Daños Relacionados Con El Clima Preguntas Frecuentes Sobre La Cobertura De Seguro – En Español

Should I Hire a Public Adjuster to Help Me Settle My Claim?

Flood Insurance Claims Handbook  [NFIP-F-687]
a publication of the National Flood Insurance Program/Federal Emergency Management Agency 

Answers to Questions About the NFIP  [NFIP-F-084]
a publication of the National Flood Insurance Program/Federal Emergency Management Agency

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HEALTH INSURANCE

Helpful Tips When Shopping for Health Insurance

Helpful Tips When Shopping for Health Insurance / Consejos Útiles: Al Momento de Buscar un Seguro MédicoEn Español

A Consumer Guide to Health-Related Resources

Maryland’s Mandated Benefits

Essential Health Benefits Chart

What Consumers Need to Know About Discount Medical and Discount Drug Plans [MIA-HE-3]

Carriers with Approved Individual Health Benefit Plans in Maryland (for plans taking effect Jan. 1, 2015, or later)

Carriers with Approved Small Employer Group Health Benefit Plans in Maryland (for plans taking effect Jan. 1, 2014, or later)

Health Insurance Options

Understanding Your Health Insurance Costs

Annual Premiums for Medicare Supplement Policies  [MIA-MS-1]

Companies with Approved Individual Medicare Supplement Policies in Maryland  [MIA-MS-2]

Your Rights When Your Health Insurer Or HMO Will Not Pay For Health Care Services

Frequently Asked Questions About Health Insurance Rates

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HOMEOWNERS/RENTER INSURANCE

A Consumer Guide to Homeowners Insurance [MIA-HO-1]

A Consumer Guide to Homeowners Insurance / Guía Para El Consumidor: Seguro Para Propietario de Vivienda – En Español

Homeowners Insurance – A Comparison Guide to Rates  [MIA-HO-2]

Tips on Shopping for Homeowners Insurance

Shopping for Homeowners Insurance Company/Policy Comparison Worksheet

Understanding Your Homeowners Declarations Page

Consumer Advisory – What To Do If You Have Problems Obtaining A Homeowners Insurance Policy [MIA-HO-3]

Personal Property Inventory List   [MIA-HO-4]

Why Renters Insurance Is A Good Idea  [MIA-HO-5]

Why Renters Insurance Is A Good Idea  / Por Que El Seguro Para Inquilinos es Una Buena IdeaEn Español

Should I Hire a Public Adjuster to Help Me Settle My Claim?

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INSURANCE FRAUD

A Consumer Guide to Insurance Fraud   [MIA-IF-1]

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LIFE INSURANCE

Consumer Guide to Life Insurance  [MIA-Ll-1]

Consumer Guide to Life Insurance / Guía Para El Consumidor: Seguro de Vida En Español

Life Insurance for Military Personnel [MIA-LI-2]

Viatical Settlements– A Guide to Selling Your Life Insurance Policy  [MIA-LI-3]

Finding Missing Life Insurance Policies  [MIA-LI-5]

Group Life Insurance Terminations: Frequently Asked Questions [MIA-LI-6]

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LONG-TERM CARE

Consumer Guide to the Maryland Long-Term Care Insurance Partnership Program [MIA-LT-1]

Companies with Approved Individual Long-Term Care Insurance Policies in Maryland   [MIA-LT-2]

Companies with Certified Individual Qualified Long-Term Care Insurance Policies for Partnership Program in Maryland  [MIA-LT-3]

A Shopper’s Guide to Long-Term Care Insurance [NAIC-LTC-LP]
a publication of the National Association of Insurance Commissioners

Consumer Alert – Long Term Care Insurance Fact Sheet
a publication of the National Association of Insurance Commissioners

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MEDICAL LIABILITY

Comparison Guide To Maryland Medical Professional Liability Insurance Rate [MIA-ML-1]

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PREMIUM FINANCE

Premium Finance Company Directory [MIA-GE-5]

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SENIOR CITIZEN ASSISTANCE  - QUICK LIST

Insurance Assistance for Maryland Consumers   [MIA-GE-1]

Insure U – An Overview of Auto, Home, Life and Health Insurance for Empty Nesters & Seniors  [MIA-IU-4]

A Consumer Guide to Annuities  [MIA-AN-1]

What Consumers Need to Know About Discount Medical and Discount Drug Plans [MIA-HE-3]

Annual Premiums for Medicare Supplement Policies   [MIA-MS-1]

Companies with Approved Individual Medicare Supplement Policies in Maryland  [MIA-MS-2]

Your Rights When Your Health Insurer Or HMO Will Not Pay For Health Care Services

Consumer Guide to the Maryland Long-Term Care Insurance Partnership Program  [MIA-LT-1]

Companies with Approved Individual Long-Term Care Insurance Policies in Maryland   [MIA-LT-2]

Companies with Certified Individual Qualified Long-Term Care Insurance Policies for Partnership Program in Maryland  [MIA-LT-3]

Consumer Tips For Travel Insurance [MIA-TR-1]

A Shopper’s Guide to Long-Term Care Insurance  [NAIC-LTC-LP]
a publication of the National Association of Insurance Commissioners

Consumer Alert – Long Term Care Insurance Fact Sheet
a publication of the National Association of Insurance Commissioners

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TITLE INSURANCE

A Consumer Guide to Title Insurance  [MIA-TI-1]

Companies Offering Title Insurance in Maryland  [MIA-T-2]

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TRAVEL INSURANCE

Consumer Tips For Travel Insurance [MIA-TR-1]

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Policy Regarding Reproduction of Consumer Materials

 

These publications have been produced by the Maryland Insurance Administration (MIA) to provide consumers with general information about insurance-related issues and/or state programs and services. Publications may contain copyrighted material used with permission of the copyright owner. Publication herein does not authorize any use or appropriation of such copyrighted material without consent of the owner.

All publications issued by the MIA are available free of charge on the MIA's website or by request. The publications may be reproduced in their entirety without further permission of the MIA provided the text and format are not altered or amended in any way, and no fee is assessed for the publication or duplication. The MIA's name and contact information must remain clearly visible, and no other name, including that of the company or agent reproducing the publication, may appear anywhere in the reproduction. Partial reproductions are not permitted without prior written consent of the MIA.