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Minnesota2026Passed Legislature

HF4133

Ban on Insurance Exclusions for Damage Caused by Peace Officers

Last scannedAug 22, 2026, 3:39 AM

In one sentence

This law stops homeowner's insurance companies from denying coverage when a peace officer causes property damage using chemical irritants, smoke screens, or diversionary devices.

What it does

  • Prohibits insurance policies from excluding coverage for property damage caused by a peace officer's use of specific tools like tear gas or flashbangs if the homeowner is entitled to just compensation.
  • Requires insurers to let homeowners choose their own contractor and industrial hygienist to fix and assess this type of damage.
  • Allows insurers to seek payment from the local government after they pay a claim, giving them legal rights to recover those funds.
  • Mandates that if an insurer gets reimbursed by the government, they must return any deductible amount paid by the homeowner.

Who it affects

  • Homeowners in Minnesota with insurance policies offered or renewed on or after January 1, 2027.
  • Insurance companies that sell homeowner's insurance policies.
  • Local government units responsible for paying just compensation to homeowners.

Limits and unknowns

  • This law only applies to homeowner's insurance policies offered, issued, or renewed on or after January 1, 2027.
  • The bill does not change a local government's existing duty to pay just compensation under section 626.74.

Plain language

Terms to know

Peace officer
A law enforcement official as defined in Minnesota Statutes section 626.84, subdivision 1, paragraph (c).
Just compensation
Payment required by the government to a homeowner for property damage under section 626.74.
Industrial hygienist
A certified professional trained to identify and control health hazards in the environment or workplace, holding specific credentials from recognized bodies.

Official record

Sources

Validated
Official bill pageIntroduced textOfficial digestCurrent bill textStored full record

Official summary

Homeowner's insurance policies specified exclusions prohibited when damage is done by a peace officer.

Official activity

Bill history

  1. Presented to Governor 05/04/2026House
  2. Presentment date 05/04/2026Senate
  3. Returned from SenateHouse
  4. Special Order: Rule 45 amendment strickenSenate
  5. Comm report: Rule 45-amend, subst. General Orders SF4406Senate
  6. Received from HouseSenate
  7. AmendedHouse
  8. House rule 1.21, placed on Calendar for the Day Monday, April 20, 2026House
  9. Committee report, to adopt as amendedHouse
  10. Author added RehrauerHouse
  11. Introduction and first reading, referred to Commerce Finance and PolicyHouse