Bill > HB2532

This bill creates new requirements for insurance companies offering homeowners, dwelling-owners, and renters insurance policies in Missouri regarding coverage for additional living expenses caused by gun violence incidents. The bill defines a "gun violence incident" as any use of a firearm resulting in shots or explosions that disrupts an insured's ability to live in their property, and mandates that insurers provide coverage for reasonable increased living expenses when such an incident occurs near the insured property and renders it temporarily uninhabitable. Starting January 1, 2027, insurers must offer coverage for expenses like temporary housing, meals, transportation, and other necessary living costs, with a specified maximum dollar amount or time limit for such expenses. The coverage continues until the property is repaired or the household relocates, and insurers can impose a 48-hour waiting period before coverage begins. To receive these benefits, insureds must immediately notify their insurance company about the incident, provide detailed documentation of expenses, and cooperate fully with the insurer's investigation. The bill explicitly excludes expenses related to non-incident evacuations, unrelated living costs, and unreasonable expenses from coverage.

https://house.mo.gov/Bill.aspx?bill=HB2532&year=2026&code=R