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MN SF4406
MN SF4406Prohibit certain exclusions in homeowner's insurance policies when damage is done by a peace officer
summary
Introduced
03/12/2026
03/12/2026
In Committee
04/07/2026
04/07/2026
Crossed Over
Passed
Dead
Introduced Session
94th Legislature 2025-2026
Bill Summary
A bill for an act relating to insurance; prohibiting certain exclusions in homeowner's insurance policies when damage is done by a peace officer; amending Minnesota Statutes 2024, section 65A.27, subdivision 1; proposing coding for new law in Minnesota Statutes, chapter 65A.
AI Summary
This bill, effective January 1, 2027, for policies issued or renewed on or after that date, prohibits homeowner's insurance policies from excluding coverage for damage caused by a peace officer's use of chemical irritants, smoke screens, or distraction devices, provided the homeowner is owed "just compensation" for the damage. "Just compensation" refers to financial reimbursement for losses, and a "peace officer" is defined as a law enforcement official. The bill clarifies that this does not alter a local government's responsibility to pay such compensation, nor does it prevent insurance companies from requiring homeowners to transfer their right to seek compensation to the insurer.
Committee Categories
Business and Industry
Sponsors (2)
Last Action
Second reading (on 04/07/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.revisor.mn.gov/bills/94/2026/0/SF/4406/ |
| BillText | https://www.revisor.mn.gov/bills/94/2026/0/SF/4406/versions/0/pdf/ |
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