Bill > HB3127

This bill, effective January 1, 2027, mandates that insurance companies offering homeowners', dwelling-owners', or renters' insurance in Missouri must provide coverage for increased living expenses if a firearm discharge incident makes the insured property temporarily uninhabitable, covering costs like temporary housing, meals, and transportation, up to a specified dollar amount or time limit outlined in the policy, and also requires that damage to an insured motor vehicle resulting from a firearm discharge incident, including homicides within the vehicle, be treated as a covered loss for repair or total loss evaluation, consistent with existing policy terms and industry standards, without requiring insurers to add new coverages beyond what is already selected by the policyholder.

https://house.mo.gov/Bill.aspx?bill=HB3127&year=2026&code=R