The Maryland Insurance Administration published a bulletin on the insurance coverage requirements necessary for detached condominium units and the related council of unit owners. A detached condo unit is a standalone unit that is similar to a single-family home. 

The passing of House Bill 1227 from the 2024 Legislative Session changed the requirements for what a council of unit owners must maintain and limited the requirement that unit owners must carry homeowners insurance on their unit. The changes will be effective on October 1, 2024.

Previously, all condo unit owners were required to carry homeowners insurance on the entirety of the unit. Under the new bill, only owners of a detached unit located within a condominium composed entirely of similar detached units must carry homeowners insurance on the entirety of the unit. The council of unit owners can opt to carry that coverage in place of the unit owner, which would satisfy the requirement.