SB 747 Maryland Senate · 2026 Regular Session

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

SB 747 requires residential condominium unit owners in Maryland to maintain specific insurance coverage for their units, excluding detached units. The bill mandates policies must include at least $500,000 personal liability coverage, $25,000 loss assessment coverage, 12 months of loss-of-use coverage for alternate housing, and dwelling coverage for owner improvements (minimum $25,000 or repair costs). Condominium councils can purchase insurance for non-compliant owners and charge the premium as an assessment. Owners must provide annual proof of insurance to the council. The law takes effect October 1, 2026.

Bill status signed all 5 stages cleared

Introduction

Feb 2026

Committee Review

Apr 2026

Senate Passage

Apr 2026

House of Delegates Passage

Apr 2026

Signed into Law

May 2026

Introduced Feb 6, 2026 Signed May 26, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

Third - Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance Coverage → Enrolled - Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance Coverage · 4 edits · May 26, 2026

MODERATE

The bill was finalized into its enrolled form, adding official proofreading signatures and formatting required for the Governor's signature. The substantive legal text regarding condominium insurance requirements and unit owner liability remained unchanged from the Senate version.

TECHNICAL

Added official enrolled bill headers, proofreader signatures, and the Governor's seal presentation block required for final passage.

Inserted a new note in the explanation section stating that italics indicate amendments from the opposite chamber or conference committee.

Reformatted the header to include the bill number in parentheses and added the committee assignment line.

Adjusted line numbers and spacing to conform to the standard enrolled bill layout.

Floor votes · Senate Mar 24, 2026 · House of Delegates Mar 25, 2026

How they voted

44–0

Passed · 5 other

Total votes 49

Mar 24, 2026

D Democratic36

33 Yea 3

91% Yea

R Republican13

11 Yea 2

84% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

May 26, 2026

Signed into law

Approved by the Governor - Chapter 717

executive

Apr 10, 2026

Upper · Passed

Passed Enrolled

upper

Apr 10, 2026

Introduced

Senate Concurs House Amendments

upper

Apr 10, 2026

Lower · Passed

Third Reading Passed

lower

Apr 8, 2026

Lower · Passed

Favorable with Amendments {

lower

Apr 8, 2026

Lower · Passed

Favorable with Amendments Report by Economic Matters

lower

Mar 25, 2026

House Of Delegates · Passed

House of Delegates Vote: pass (135-2-5)

house of delegates

Mar 24, 2026

Senate · Passed

Senate Vote: pass (44-0-5)

senate

Mar 21, 2026

Committee

Referred Economic Matters

lower

Mar 20, 2026

Upper · Passed

Third Reading Passed

upper

Mar 19, 2026

Upper · Passed

Favorable with Amendments {

upper

Mar 19, 2026

Upper · Passed

Favorable with Amendments Report by Judicial Proceedings

upper

Feb 6, 2026

Committee

First Reading Judicial Proceedings

upper

1 primary · 0 co-sponsors