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HB408 • 2026
INSURANCE/PROPERTY: Prohibits insurers from the nonrenewal of residential insurance policies when homeowners timely mitigate risks
INSURANCE/PROPERTY: Prohibits insurers from the nonrenewal of residential insurance policies when homeowners timely mitigate risks
Passed Legislature
This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.
- Sponsor
- Edmond Jordan
- Last action
- 2026-03-09
- Official status
- Pending House Insurance - Considered 5/6/26
- Effective date
- Not listed
Plain English Breakdown
Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.
INSURANCE/PROPERTY: Prohibits insurers from the nonrenewal of residential insurance policies when homeowners timely mitigate risks
INSURANCE/PROPERTY: Prohibits insurers from the nonrenewal of residential insurance policies when homeowners timely mitigate risks
What This Bill Does
- INSURANCE/PROPERTY: Prohibits insurers from the nonrenewal of residential insurance policies when homeowners timely mitigate risks
Limits and Unknowns
- This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.
Amendments
These notes stay tied to the official amendment files and metadata from the legislature.
Plain English: HCAHB408 4878 4724
HOUSE COMMITTEE AMENDMENTS
2026 Regular Session
Amendments proposed by House Committee on Insurance to Original House Bill No.
- HCAHB408 4878 4724
HOUSE COMMITTEE AMENDMENTS
2026 Regular Session
Amendments proposed by House Committee on Insurance to Original House Bill No.
- 408
by Representative Jordan
1 AMENDMENT NO.
- 1
2 On page 1, delete line 10 in its entirety and insert in lieu thereof the following:
3 "A.
- An insurer shall not fail to renew a residential insurance policy during the current
4 term of the policy, if the"
Page 1 of 1
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.
Bill History
-
2026-03-09
H
Read by title, under the rules, referred to the Committee on Insurance.
-
2026-02-27
H
First appeared in the Interim Calendar on 2/27/2026.
-
2026-02-25
H
Under the rules, provisionally referred to the Committee on Insurance.
-
2026-02-25
H
Prefiled.
Official Summary Text
INSURANCE/PROPERTY: Prohibits insurers from the nonrenewal of residential insurance policies when homeowners timely mitigate risks
Current Bill Text
Read the full stored bill text
HLS 26RS-44 ORIGINAL
2026 Regular Session
HOUSE BILL NO. 408
BY REPRESENTATIVE JORDAN
INSURANCE/PROPERTY: Prohibits insurers from the nonrenewal of residential insurance
policies when homeowners timely mitigate risks
1 AN ACT
2 To enact R.S. 22:1333.1, relative to homeowners' insurance; to prohibit insurers from the
3 nonrenewal of residential insurance when homeowners timely mitigate risk; to
4 provide requirements for an insurer's nonrenewal notice; and to provide for related
5 matters.
6 Be it enacted by the Legislature of Louisiana:
7 Section 1. R.S. 22:1333.1 is hereby enacted to read as follows:
8 §1333.1. Homeowner's insurance; insurer's nonrenewal restriction when homeowner
9 mitigates risk; insurer's nonrenewal notice requirements
10 A. An insurer shall not fail to renew a residential insurance policy when the
11 homeowner mitigates risk within ninety days of a notice from the insurer. A
12 homeowner mitigates risk when the homeowner resolves the reason for nonrenewal
13 contained in the notice from the insurer. The insurer shall not utilize such reasons
14 to increase the insured's rate or premium upon renewal.
15 B. An insurer shall notify the insured, in writing, of the reasons for
16 nonrenewal of the policy. The notice shall be delivered or mailed to the insured. For
17 purposes of this Subsection, "delivered" includes electronic transmittal, facsimile,
18 or personal delivery. Where written notice of nonrenewal is required and the insurer
19 elects to mail the notice, the running of the time period between the date of mailing
20 and the effective date of termination of coverage shall commence upon the date of
21 mailing.
Page 1 of 2
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.
HLS 26RS-44 ORIGINAL
HB NO. 408
DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part
of the legislative instrument. The keyword, one-liner, abstract, and digest do not constitute
part of the law or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
HB 408 Original 2026 Regular Session Jordan
Abstract: Prohibits insurers from the nonrenewal of residential insurance policies when
homeowners timely mitigate the risk contained in the insurer's notice of nonrenewal.
Requires insurers to provide the insured with written reasons of policy nonrenewal.
Proposed law prohibits insurers from the nonrenewal of residential insurance policies when
the homeowner mitigates risk within 90 days of a notice from the insurer.
Proposed law requires insurers to notify the insured, in writing, of the reasons for policy
nonrenewal.
(Adds R.S. 22:1331.1)
Page 2 of 2
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.