The Maryland Insurance Administration (MIA) published a bulletin outlining all of the insurance laws that were enacted in 2025. The laws are presented in four categories: life and health, property and casualty, general, and market regulation. This discussion will focus on the P&C and general bills. A summary of all the bills can be found in the bulletin.

HB 1098, effective July 1, 2025, amends the Insurance Article to require the Maryland Automobile Insurance Fund to calculate and report its RBC level following Title 4, Subtitle 3. The Fund is also required to increase its surplus to have its Total Adjusted Capital at an amount greater than or equal to its Company Level RBC by December 31, 2026. The bill also requires the MIA to submit a report to the Governor on the affordability of private passenger auto insurance in the state by January 1, 2026.

HB 1148 states insurers cannot refuse to issue a new policy for a residential condo unit if the reason for denial is that the applicant experienced a lapse in coverage of the unit, if the lapse was because of an insurer’s withdrawal from the market, and if the lapse was not longer than 90 days. The bill is effective October 1, 2025, and applies to new residential condo unit policies issued after January 1, 2026.