Allstate is introducing a new condominium insurance program in Maryland through Allstate North American Insurance Company.

The product uses a new risk-classification system that calculates premiums across individual causes of loss instead of relying on a statewide average distribution. Pricing considers factors including the unit’s age, size, floor, number of bathrooms, building height and construction type, along with the policyholder’s age, payment method, claim history, multipolicy status and whether the unit is a secondary residence.

Allstate is also introducing more granular geographic pricing. Maryland is divided into 30,731 zones measuring approximately half a mile wide by 0.7 miles high, with separate location factors developed using a gradient-boosting model. Hurricane pricing incorporates Verisk’s catastrophe model.

Other pricing features include welcome, claim-free, responsible-payer and multipolicy factors, as well as a factor based on the channel used to bind the policy. The program offers optional sewer backup, enhanced personal property, personal injury, building-code and landlord and host coverages.

The filing applies only to new business and is scheduled to take effect on November 10, 2026.