Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial

HB 1148 prohibits Maryland property and casualty insurers from denying residential condominium unit insurance coverage based solely on a prior temporary lapse in coverage. It specifically prevents denial if the lapse was the applicant’s choice (not the insurer’s action) and unrelated to the applicant’s claims history or losses. This directly affects condo owners seeking new insurance policies who previously faced refusal due to short coverage gaps. The law takes effect October 1, 2025, and applies to all property/casualty insurers in Maryland.