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State billProcessed detailNORTH DAKOTAMay 2, 2025
Governor signed

North Dakota regulates property insurance arbitration, managed repair programs, and surplus lines policies under SB 2374

North Dakota has enacted legislation regulating mandatory binding arbitration endorsements and managed repair programs for property insurance, while establishing strict notice deadlines for supplemental and reopened claims. The measure requires explicit written consent for arbitration agreements, sets capital requirements for surplus lines insurers, and directs a study on towing and recovery coverage.

Official source ↗
State billProcessed detailUTAHMar 6, 2026
House/ filed

Utah Legislature Establishes Access to Insurance Plan Association for Property Owners Unable to Secure Private Coverage

Property owners who face repeated coverage denials from private insurers are allowed to obtain residential and commercial property insurance through a new state residual market plan starting May 6, 2026. Every admitted property insurer in Utah is required to participate in the newly created Access to Insurance Plan Association and face potential financial assessments. Applicants must demonstrate that at least three admitted insurers declined coverage before qualifying for a policy under the plan.

Official source ↗
State billProcessed detailNEW JERSEYJan 13, 2026
AFI

New Jersey Bill A493 Permits Municipalities to Place Insurance Liens on Fire-Damaged Property and Mandates Liability Insurance Coverage Levels

New Jersey municipalities may enact ordinances to claim statutory liens on fire or explosion insurance proceeds for real property to ensure the property is repaired or demolished, while business and rental property owners are required to maintain at least $500,000 in liability insurance for fire and explosion damage. The measure takes effect on the 180th day following enactment.

Official source ↗
State billProcessed detailLOUISIANAMar 9, 2026
Pending House Commerce

Louisiana House Bill 924 restricts post-disaster contractor solicitations and mandates disclosures

Louisiana HB 924 prohibits unsolicited direct contacts by residential contractors and roofing companies during a six-month catastrophe response period following a declared disaster. The measure bans deceptive insurance claim promises, requires written pre-contract disclosures, and allows homeowners to void violating contracts for up to one year.

Official source ↗
State billProcessed detailFLORIDA · STATEWIDEMar 13, 2026
Died in Banking and Insurance

Senator Grall repeals Florida Motor Vehicle No-Fault Law and revises minimum liability insurance coverage requirements

This bill repeals the Florida Motor Vehicle No-Fault Law and replaces it with revised motor vehicle financial responsibility and minimum liability coverage requirements for vehicle owners and operators. It updates vehicle registration proof requirements, redefines garage and recreational vehicle dealer insurance mandates, and amends health care clinic definitions and insurance fraud provisions related to motor vehicle claims.

Official source ↗
State billProcessed detailMARYLANDJan 19, 2026
In the Senate - Hearing 1/28 at 2:00 p.m.

Maryland Senate Bill 52 Regulates Property Insurance Claim Valuations and Policy Renewal Notices

Maryland Senate Bill 52 establishes that the actual cash value recovery for residential and commercial property insurance claims cannot depreciate the cost of labor. Additionally, insurers renewing homeowner's or renter's insurance policies must provide policyholders with a written notice at least 45 days prior to renewal detailing any changes in coverage limits, reduced risks, or altered deductibles, starting October 1, 2026.

Official source ↗