The Maryland Joint Insurance Association (MDJIA) is dedicated to offering essential property insurance coverage to individuals, property owners, and businesses throughout Maryland. Established to meet the needs of those facing challenges in securing property insurance through the competitive market, MDJIA offers various insurance products, including Homeowners, Dwelling, and Commercial property insurance for qualified applicants.
MDJIA emphasizes that all applicants first seek coverage through the traditional marketplace, ensuring that their services are a last resort for those who genuinely need it. By facilitating access to property insurance for those at a disadvantage, MDJIA plays a critical role in safeguarding homes and businesses across the state. The coverage is restricted to properties within Maryland, and it is important to note that MDJIA does not cover flood insurance.
Moreover, MDJIA operates under a F.A.I.R. (Fair Access to Insurance Requirements) Plan, which means it does not hold a financial rating from organizations such as A.M. Best Company. As legally required, all insurers licensed to offer property insurance in Maryland must be members of the MDJIA. The organization encourages individuals in need of coverage to connect with licensed property/casualty insurance Producers or directly apply with the JIA to find the policies that best suit their needs. Through its various offerings, MDJIA ensures property owners can find the necessary protection they need, even when traditional routes are unavailable.
