# Maryland SB 0747: Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance Coverage Maryland SB 0747, Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance Coverage, is a 2026 Regular Session Senate bill sponsored by Mike McKay (Republican); status signed, last action 2026-05-26 (Approved by the Governor - Chapter 717); PRIA reads it as touching household money (as of 2026-10-11). - Canonical: https://policyrisk.com/state-bill/MD-SB0747-2026RS - As of: 2026-10-11 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Maryland SB 0747 - State: Maryland - Session: 2026 Regular Session - Title: Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance Coverage - Status: signed - Chamber: Senate - Introduced: 2026-02-06 - Last action: 2026-05-26, Approved by the Governor - Chapter 717 - Sponsor: Mike McKay (Republican) - Cosponsors: 0 - Subjects: Real Property, Assessments -see also- Property Tax, Condominiums, Evidence, Homeowner Associations, Housing -see also- Apartments; Condos; Mobile & Manuf Homes, Insurance -see also- Health Ins; MAIF; Motor Vehicle Ins, Liability, Personal Property, Prices -see also- Consumer Price Index, Property Damage, Residential Property -see also- Apartments; Condominiums, Time - Touches household money: yes - Roll calls: 3 (217 yes, 2 no in all) - Economic provisions PRIA read: 2 ## Summary No summary available. ## Bill overview: provisions PRIA read - Condo owners must carry minimum insurance: cost, medium. 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 l… - Owner pays up to $25K for unit damage: mixed, high. 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 shar… ## Sponsors and cosponsors - Sponsor: Mike McKay (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-10 | House | Third Reading Passed | pass | 134 | 2 | 2 | | 2026-04-10 | Senate | Third Reading Passed | pass | 42 | 0 | 2 | | 2026-03-20 | Senate | Third Reading Passed | pass | 41 | 0 | 2 | ## Actions (20) - 2026-05-26: Approved by the Governor - Chapter 717 - 2026-04-10: Passed Enrolled (Senate) - 2026-04-10: Third Reading Passed (42-0) (Senate) - 2026-04-10: Senate Concurs House Amendments (Senate) - 2026-04-10: Third Reading Passed (134-2) (House) - 2026-04-08: Second Reading Passed with Amendments (House) - 2026-04-08: Favorable with Amendments {713822/1 Adopted (House) - 2026-04-08: Favorable with Amendments Report by Economic Matters (House) - 2026-04-02: Hearing 4/02 at 2:30 p.m. (House) - 2026-04-02: Hearing canceled (House) - 2026-04-02: Hearing 4/02 at 1:30 p.m. (House) - 2026-04-02: Hearing canceled (House) - 2026-03-24: Hearing 4/02 at 1:00 p.m. (House) - 2026-03-21: Referred Economic Matters (House) - 2026-03-20: Third Reading Passed (41-0) (Senate) - 2026-03-19: Second Reading Passed with Amendments (Senate) - 2026-03-19: Favorable with Amendments {903024/1 Adopted (Senate) - 2026-03-19: Favorable with Amendments Report by Judicial Proceedings (Senate) - 2026-02-12: Hearing 3/05 at 1:00 p.m. (Senate) - 2026-02-06: First Reading Judicial Proceedings (Senate) ## Bill text - Enacted, 2026-05-26: [PDF](https://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_717_sb0747e.pdf) - Enrolled, 2026-04-10: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0747e.pdf) - Third Reading, 2026-03-19: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0747t.pdf) - First Reading, 2026-02-06: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0747f.pdf) ## Related bills - SB 0496: Maryland Medical Assistance Program - Coverage for the Treatment of Obesity - Authorization (became law) - SB 0366: Motor Vehicles - Intelligent Speed Assistance System Pilot Program - Establishment (became law) - SB 0244: Code Revision - Health - Maryland Medical Assistance Program (became law) - SB 0148: Income Tax - Credit for 9-1-1 Specialist Retirement Income (Supporting Our 9-1-1 Specialists Act) (became law) - SB 0016: Child Support - Earnings Withholdings Limits (became law) - HB 0529: Code Revision - Health - Maryland Medical Assistance Program (became law) ## Sources - [Enacted (PDF)](https://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_717_sb0747e.pdf) - [Enrolled (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0747e.pdf) - [Third Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0747t.pdf) - [First Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0747f.pdf) ## Related - [SB 0496: Maryland Medical Assistance Program - Coverage for the Treatment of Obesity - A…](https://policyrisk.com/state-bill/MD-SB0496-2026RS) - [SB 0366: Motor Vehicles - Intelligent Speed Assistance System Pilot Program - Establishm…](https://policyrisk.com/state-bill/MD-SB0366-2026RS) - [SB 0244: Code Revision - Health - Maryland Medical Assistance Program](https://policyrisk.com/state-bill/MD-SB0244-2026RS) - [SB 0148: Income Tax - Credit for 9-1-1 Specialist Retirement Income (Supporting Our 9-1-…](https://policyrisk.com/state-bill/MD-SB0148-2026RS) - [SB 0016: Child Support - Earnings Withholdings Limits](https://policyrisk.com/state-bill/MD-SB0016-2026RS) - [HB 0529: Code Revision - Health - Maryland Medical Assistance Program](https://policyrisk.com/state-bill/MD-HB0529-2026RS) - [Maryland bills](https://policyrisk.com/states/maryland/bills) - [Maryland state hub](https://policyrisk.com/states/maryland) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/MD-SB0747-2026RS (as of 2026-10-11).