S.2896

Clarifies how condominium insurance deductibles and unpaid losses are divided between associations and unit owners, require owners to insure units if associations do not, and allow boards to manage and use insurance proceeds for repairs.

Chamber Passed·5/19/26

Rhode Island S2896 clarifies insurance deductibles and unpaid losses for condominiums, mandates unit owner insurance if associations do not, and.

Rhode Island S2896 amends the state's condominium laws to clarify how insurance deductibles and unpaid losses are divided between condominium associations and unit owners. It requires unit owners to maintain property insurance if the association does not, and allows condominium boards to manage and use insurance proceeds for repairs. The bill specifies that if a unit owner fails to comply with insurance obligations, they are responsible for expenses related to their unit after a loss.

Included in complete analysis

  • Overview
  • Core Provisions
  • Implementation
  • Impact
  • Legal Framework
  • Critical Issues

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Where it stands

Last
Passed the Senate · 37–0 · May 19
Current
Corporations Committee
Next
Session adjourned — paused until it reconvenes

Sponsors

DDDDD
5
0
Democratic CaucusRepublican Caucus

Roll Call Votes

37 Yea

DDDDDDRDRDDRDDDDDDDDDDDDDDDDDDDRDDDDD

0 Nay

1 Not Voting

D

Calendar

May 12

12:00 AM

Senate Housing and Municipal Government Consideration

Apr 2

12:00 AM

Senate Housing and Municipal Government Hearing

History

May 20

House

Referred to House Corporations

May 19

Senate

Senate passed Sub A

May 13

Senate

Placed on Senate Calendar (05/19/2026)