Relating to insurance; restricting the policy nonrenewal authority of homeowners insurers based on claims experience; prohibiting discrimination by automobile insurers on the basis of the desire to exclude collision or comprehensive coverage on the insured vehicle and prohibiting routinely requiring underwriting information based on physical disability, authorizing a questionnaire; including refusal to provide replacement cost coverage and the use of employment status or residential stability as a basis for policy denial or nonrenewal as unfair or deceptive underwriting practices for homeowners insurance (ra)