Md. Code, Ins. § 12-302 : INSURANCE — POLICY FORMS AND PROVISIONS — PROPERTY AND MOTOR VEHICLE LIABILITY INSURANCE —302 - Guardian authorized to insure minor's property TEXT PDF (a) A guardian of a minor may insure for the minor property that the minor owns. (b) A property insurance contract issued to a guardian under subsection (a) of this section has the same effect as if the minor were an adult and had made the property insurance contract. Md. Code, IN § 12-302