Insurance; homeowner's policy; terminations; premium; renewal; underwriting; at-fault motor vehicle claims; effective date.

Summary

The bill prevents insurers from terminating, refusing to renew, or increasing premiums on homeowner or other personal residential policies because of a first claim or any claim older than five years, except for specific fraud or safety reasons. It also limits the use of at‑fault auto claim history to three years when pricing these policies and requires a 30‑day written renewal notice. The changes aim to protect homeowners from punitive insurance practices while preserving insurer rights in cases of non‑payment, fraud, or increased risk.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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