Maryland DP-3 landlord checks
- The quote should match the actual rental use, not a generic homeowner profile.
- Premises liability and fair-rental-value limits should be reviewed together.
- Named insured details matter if an LLC, trust, or partnership owns the property.
- In Maryland, separate wind, named-storm, and flood questions before comparing the premium.
- Wind or hail wording in Maryland can affect the deductible, roof settlement, and inspection follow-up.
Rental dwelling checkpoints
| Question | Why it matters |
|---|---|
| Is the property occupied now? | A vacant or renovation property may not qualify for the same quote. |
| What rental income is being protected? | Fair rental value should be visible, not assumed. |
| Are detached structures used by tenants? | Garages, sheds, and shared areas can change the exposure. |
| What inspection evidence is ready? | Photos and maintenance records can reduce back-and-forth. |
Practical note
A Maryland landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.