Relating to insurance; restricting homeowners insurers from denying +or limiting coverage based on the number of claims submitted during the +experience period and prohibiting the use of employment status or residential stability+ of insureds or prospective insureds as an underwriting practice; +prohibiting automobile insurers denial of or offsets against the accident +prevention course premium reduction for persons eligible for the reduction and the use +of premium rates or discounts eligibility or prior claims for collision losses +as underwriting standards (ra)