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.