This bill amends Minnesota Statutes 2024, section 65A.27, by prohibiting certain exclusions in homeowner's insurance policies related to damages caused by peace officers. Specifically, it establishes that homeowner's insurance policies cannot exclude coverage for damages when the homeowner is entitled to just compensation due to a peace officer's use of chemical irritants, smoke screens, or distraction devices. The bill also clarifies that local governments still have a duty to pay just compensation and allows insurers to require homeowners to subrogate their interest in the compensation to the insurer.

Additionally, the bill updates the statutory references, changing the section from 65A.302 to 65A.304, and introduces new definitions for terms such as "just compensation" and "peace officer." The effective date for these changes is set for January 1, 2027, applying to all homeowner's insurance policies offered, issued, or renewed on or after that date.

Statutes affected:
Introduction: 65A.27