1.1                          A bill for an act 
  1.2             relating to insurance; modifying requirements related 
  1.3             to nonrenewal of homeowner's insurance; amending 
  1.4             Minnesota Statutes 1994, section 65A.29, subdivision 
  1.5             11. 
  1.6   BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA: 
  1.7      Section 1.  Minnesota Statutes 1994, section 65A.29, 
  1.8   subdivision 11, is amended to read: 
  1.9      Subd. 11.  [NONRENEWAL PLAN.] Every insurer shall establish 
  1.10  a plan that sets out the minimum number and amount of claims 
  1.11  during an experience period that may result in a nonrenewal.  A 
  1.12  clear and concise written statement of this plan must be 
  1.13  provided to the insured when any future losses may result in 
  1.14  nonrenewal of the policy. 
  1.15     The plan No homeowner's insurance policy may be nonrenewed 
  1.16  based on the insured's loss experience unless the insurer has 
  1.17  sent a written notice that any future losses may result in 
  1.18  nonrenewal due to loss experience. 
  1.19     Any nonrenewal of a homeowner's insurance policy must, at a 
  1.20  minimum, comply with the requirements of subdivision 8 and the 
  1.21  rules adopted by the commissioner. 
  1.22     Sec. 2.  [EFFECTIVE DATE.] 
  1.23     Section 1 is effective January 1, 1997, and applies to 
  1.24  policies issued or renewed on or after that date.