Homeowner, Dwelling & Commercial Property Insurance For Properties Within Maryland
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Maryland Joint Insurance Association


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The Maryland Joint Insurance Association (JIA) can provide insurance coverage to property owners, individuals, or businesses throughout the State of Maryland who have been unable to obtain essential property insurance through the competitive property/casualty insurance marketplace. The JIA offers Homeowners, Dwelling and Commercial property insurance for qualified properties.

Every applicant is encouraged to seek coverage through the competitive insurance marketplace. You can apply for insurance with the JIA by contacting a licensed property/casualty insurance Producers, or applying with the JIA directly.  

The Joint Insurance Association does not have a rating by any financial rating organization, such as A.M. Best Company, due to our being a F.A.I.R. Plan. The law requires that all insurers licensed to write property insurance in the State of Maryland become a member of the Association.

Questions about the Joint Insurance Association can be directed to info@mdjia.org.

Our Consumer Information Sheet as well as Applications and additional information regarding coverages are available on our Forms Page.



➤ location:

3290 N Ridge Road, Suite 210
Ellicott City, MD 21043


(410) 539-6808
Fax: (410) 244-7268


What Is Available for Coverage?

Those needing coverage are encouraged to first contact a local insurance Producer(agent). Individuals may contact the Association directly to apply for coverage.



A person who owns their own home. This may be a single-family home, condominium, or town/row home. The JIA homeowners coverage requires that the property be owner occupied.



dwelling property

A dwelling is a house, apartment, or other place of residence that can be occupied by the owner, tenant, or both, this will involve a rental or lease agreement.



Commercial property

The commercial building owner or tenant may acquire their own insurance through JIA’s commercial fire program. The JIA does not offer commercial liability.



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