Cincinnati Insurance has filed a homeowners rate and rule update in Maryland seeking an overall 4.8% rate increase, driven by revised territorial base rates, higher condo factors, and an increased wood roof surcharge.

The filing was submitted on January 8, 2026, with a proposed November 1, 2026 effective date. It impacts about 4,330 policyholders and $15.6 million in written premium, resulting in an estimated $754,000 annual premium increase.

The update includes higher condo Coverage A factors, an increase to the wood roof surcharge on owner policies from 1.05 to 1.084, and updated catastrophe modeling using AIR v12 and RMS v23, excluding demand surge to meet Maryland requirements. Indicated impacts are +4.7% for owners, 0% for tenants, and +11% for condos, with individual policy increases capped at 15.4%. The filing follows a 5.83% homeowners increase that took effect May 1, 2025.