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Terms Used In Maryland Code, INSURANCE 25-406

  • Person: includes an individual, receiver, trustee, guardian, personal representative, fiduciary, representative of any kind, corporation, partnership, business trust, statutory trust, limited liability company, firm, association, or other nongovernmental entity. See
  • Personal property: All property that is not real property.
A person with an insurable interest in real or tangible personal property at a fixed location may apply to the Association for essential property insurance or homeowner’s insurance if the person has been:

(1) unable to obtain essential property insurance or homeowner’s insurance;

(2) able to obtain essential property insurance or homeowner’s insurance only after application under § 11-210 or § 11-311 of this article; or

(3) able to obtain only partial coverage for the value of the property.