Philadelphia Contributionship Insurance Company and Germantown Insurance Company filed updates to their Maryland homeowners program on January 21, 2026, seeking approval for revised policy forms. The changes apply to new business starting April 25, 2026, and renewals beginning June 24, 2026.

The filing focuses on form and underwriting updates, not rates, and reflects tighter standards for high-value homes, particularly around water damage prevention.

A central change requires certain high-value homes to have a water leak detection system with an automatic shutoff device installed and maintained to qualify for coverage. The insurers also note the use of third-party contractors to conduct physical property inspections as part of underwriting.

Other updates include revisions to the application, windstorm and hail deductible options, and notice of cancellation provisions. A new deductible form allows wind or hail deductibles to be applied as either a percentage of coverage or a flat dollar amount.

The application now requires explicit acknowledgment of exclusions related to trampolines, pools, and specific dog breeds, including Pit Bulls and Rottweilers. It also adds more detailed questions around prior cancellations and gaps in coverage. Travelers is listed as a prior carrier in a sample application.

Operationally, the filing notes that company offices remain closed to outside visitors, removing in-person payment options. Policyholders are directed to use the MyKey client portal and mobile app for payments.