Bill > SF4231

This bill, effective October 1, 2026, requires Minnesota residents who own firearms to maintain liability insurance that covers at least $100,000 in damages from accidental or unintentional firearm discharge, with this coverage potentially being part of a homeowner's or tenant's insurance policy. Insurers writing homeowner's policies in Minnesota must offer a form or rider that includes this required coverage, and a firearm owner is considered to still own a lost or stolen firearm until it's reported to law enforcement. Proof of compliance can be shown with an insurance policy declaration page or a digital policy, and failure to do so is considered evidence of a violation. First-time offenders face a petty misdemeanor charge with a fine up to $300, which can be suspended if proof of insurance is provided within 30 days, while subsequent convictions within five years are misdemeanors with fines up to $1,000. Exemptions are available for federal firearm licensees and for individuals who can demonstrate to a court that they were denied insurance by two or more insurers or lack the financial resources to pay for the required coverage, provided they also show they are likely to act safely with firearms and have a securely stored firearm.

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https://www.revisor.mn.gov/bills/94/2026/0/SF/4231/