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Maryland Joint Insurance Association YOUR COVERAGE STARTS HERE 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 propertycasualty insurance marketplace. The JIA offers Homeowners Dwelling and Commercial property insurance for qualified properties. Every applicant is encouraged to seek coveragethrough the competitive insurance marketplace. You can apply for insurance with the JIA by contacting a licensed propertycasualty insurance Producers or applying with the JIA directly.