MD HB1148

Insurers cannot deny homeowner's or renter's insurance based on a prior lapse in coverage if the lapse was due to the applicant's choice and not due to losses or claims history

For residential condominium unit insurance, insurers cannot refuse to issue a policy based solely on a coverage lapse caused by the previous insurer's withdrawal from the market, provided the lapse was 90 days or less

Insurers may require applicants to submit an affidavit stating they did not incur any losses during the coverage lapse period

Provisions for residential condominium unit insurance policies apply to new policies issued on or after January 1, 2026

Act takes effect October 1, 2025