HB 1541 Maryland House of Delegates · 2025 Regular Session

Condominiums - Mandatory Insurance Coverage

HB 1541 requires residential condominium unit owners in Maryland to maintain specific insurance coverage for their units. The policy must include key provisions like waiver of subrogation against the condominium council, $500,000 personal liability coverage, 12 months of loss-of-use coverage, and dwelling coverage for owner improvements. Unit owners must provide annual proof of this insurance to the condominium council. If a unit owner fails to comply, the council may purchase the required insurance and charge the cost as an assessment, effective October 1, 2025.

Bill status passed 3 of 5 stages cleared

Introduction

Feb 2025

Committee Review

Mar 2025

House of Delegates Passage

Mar 2025

Senate Passage

Governor

Introduced Feb 25, 2025 Last action Mar 19, 2025

Maddy AI version diff · 1 comparison

What changed between versions

First - Condominiums - Mandatory Insurance Coverage → Third - Condominiums - Mandatory Insurance Coverage · 4 edits

MODERATE

The bill was amended to add a new sponsor, re-refer to a different committee, and significantly restructure the insurance coverage requirements by renumbering and reorganizing subsections. The changes clarify that the exemption applies to detached units in condominiums composed entirely of similar detached units, while maintaining the core requirement for unit owners to maintain specific insurance coverage including subrogation waivers, deductibles, personal property limits, loss of use coverage, liability coverage, loss assessment coverage, and dwelling property coverage.

Scope change

The bill's scope was clarified to explicitly exempt condominiums composed entirely of similar detached units from the mandatory insurance requirements, while retaining the requirement for residential condominiums.

ELIGIBILITY

Added a new sponsor (Delegate Stein) and re-referred the bill to the Environment and Transportation committee.

REQUIREMENT

Restructured and renumbered insurance coverage requirements from subsection (A) to (D) to clarify the exemption for detached units and organize coverage mandates.

TECHNICAL

Added signature lines for Governor, Speaker of the House, and President of the Senate at the end of the bill.

SCOPE

Modified the exemption language to apply specifically to detached units within a condominium composed entirely of similar detached units.

Floor votes · House of Delegates Mar 9, 2025

How they voted

104–33

Passed · 2 other

Total votes 139

Mar 9, 2025

D Democratic100

99 Yea 1

99% Yea

R Republican39

5 Yea 33 Nay 1

84% Nay

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Mar 17, 2025

Committee

Referred Judicial Proceedings

upper

Mar 17, 2025

Lower · Passed

Third Reading Passed

lower

Mar 15, 2025

Introduced

Floor Amendment {

lower

Mar 15, 2025

Lower · Passed

Motion Special Order until Later This Session (Delegate Pippy) Adopted

lower

Mar 15, 2025

Lower · Passed

Favorable with Amendments {

lower

Mar 15, 2025

Lower · Passed

Favorable with Amendments Report by Environment and Transportation

lower

Mar 9, 2025

House Of Delegates · Passed

House of Delegates Vote: pass (104-33-2)

house of delegates

Mar 3, 2025

Committee

Rereferred to Environment and Transportation

lower

Feb 25, 2025

Committee

First Reading House Rules and Executive Nominations

lower

2 primary · 0 co-sponsors