# Insurance (GIN)

## Title 25. Alternative Market Mechanisms

### Subtitle 4. Maryland Property Insurance Availability Act

#### Section 25-406

A person with an insurable interest in real or tangible personal property at a fixed location may apply to the Association for essential property insurance or homeowner's insurance if the person has been:

(1) unable to obtain essential property insurance or homeowner's insurance;

(2) able to obtain essential property insurance or homeowner's insurance only after application under Sec. 11-210 or Sec. 11-311 of this article; or

(3) able to obtain only partial coverage for the value of the property.

---

Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)