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 by changing the section from 65A.302 to 65A.304 and includes a new effective date of January 1, 2027, for the provisions outlined in the bill. This means that the new requirements will apply to homeowner's insurance policies that are offered, issued, or renewed on or after this date.

Statutes affected:
Introduction: 65A.27