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MarylandSB 07472026 Regular SessionSenateWALLET

Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance Coverage

Sponsored By: Mike McKay (Republican)

Signed by Governor

Real PropertyAssessments -see also- Property TaxCondominiumsEvidenceHomeowner AssociationsHousing -see also- Apartments; Condos; Mobile & Manuf HomesInsurance -see also- Health Ins; MAIF; Motor Vehicle InsLiabilityPersonal PropertyPrices -see also- Consumer Price IndexProperty DamageResidential Property -see also- Apartments; CondominiumsTime

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 0 benefits, 1 costs, 1 mixed.

Owner pays up to $25K for unit damage

Beginning October 1, 2027, if damage starts in your condo unit, you must pay the least of the full repair cost, the condo association’s property insurance deductible, or $25,000 per incident. If the association’s deductible is larger than your required share, the extra becomes a common expense shared by all owners. Not having the required insurance does not lower what you owe. Each year, the council must give you a written notice that explains your responsibility and lists the current deductible.

Condo owners must carry minimum insurance

Beginning October 1, 2027, condo owners in buildings made up only of homes must keep a unit‑owner policy. This does not apply to condos made up only of similar detached units. Your policy must cover the condo deductible you are responsible for, at least $25,000 in loss‑assessment coverage, and at least $25,000 for unit improvements (or more if needed to replace them). It must also include at least $500,000 in personal liability coverage and loss‑of‑use coverage for at least 12 months. You must give proof of coverage each year and when asked. Condo rules cannot make you buy more than these minimums, and councils can no longer buy a policy for you and bill you.

Sponsors & Cosponsors

Sponsor

  • Mike McKay

    Republican • Senate

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 217 • No: 2

House vote • 4/10/2026

Third Reading Passed

Yes: 134 • No: 2 • Other: 2

Senate vote • 4/10/2026

Third Reading Passed

Yes: 42 • No: 0 • Other: 2

Senate vote • 3/20/2026

Third Reading Passed

Yes: 41 • No: 0 • Other: 2

Actions Timeline

  1. Approved by the Governor - Chapter 717

    5/26/2026

  2. Passed Enrolled

    4/10/2026Senate

  3. Third Reading Passed (42-0)

    4/10/2026Senate

  4. Senate Concurs House Amendments

    4/10/2026Senate

  5. Third Reading Passed (134-2)

    4/10/2026House

  6. Second Reading Passed with Amendments

    4/8/2026House

  7. Favorable with Amendments {713822/1 Adopted

    4/8/2026House

  8. Favorable with Amendments Report by Economic Matters

    4/8/2026House

  9. Hearing 4/02 at 2:30 p.m.

    4/2/2026House

  10. Hearing canceled

    4/2/2026House

  11. Hearing 4/02 at 1:30 p.m.

    4/2/2026House

  12. Hearing canceled

    4/2/2026House

  13. Hearing 4/02 at 1:00 p.m.

    3/24/2026House

  14. Referred Economic Matters

    3/21/2026House

  15. Third Reading Passed (41-0)

    3/20/2026Senate

  16. Second Reading Passed with Amendments

    3/19/2026Senate

  17. Favorable with Amendments {903024/1 Adopted

    3/19/2026Senate

  18. Favorable with Amendments Report by Judicial Proceedings

    3/19/2026Senate

  19. Hearing 3/05 at 1:00 p.m.

    2/12/2026Senate

  20. First Reading Judicial Proceedings

    2/6/2026Senate

Bill Text

  • Enacted

    5/26/2026

    PDF

  • Enrolled

    4/10/2026

    PDF

  • Third Reading

    3/19/2026

    PDF

  • First Reading

    2/6/2026

    PDF

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