1.1 	A bill for an act
1.2 	relating to homeowner's insurance; regulating coverage for home-based adult 
1.3 	foster care services; proposing coding for new law in Minnesota Statutes, chapter 
1.4 	65A.
1.5 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.6 	Section 1. [65A.301] ADULT FOSTER CARE SERVICES; COVERAGE.
1.7 		Subdivision 1.No coverage. There shall be no coverage under a foster care for 
1.8 	adults provider's homeowner's insurance policy for losses or damages arising out of the 
1.9 	operation of foster care for adults services unless:
1.10 	(1) specifically covered in a policy; or
1.11 	(2) covered by a rider for business coverage attached to a policy.
1.12 	For purposes of this section, "foster care for adults" has the meaning given in section 
1.13 	245A.02, subdivision 6c.
1.14 		Subd. 2.Prohibited underwriting practices. No insurer shall refuse to renew, or 
1.15 	decline to offer or write, homeowner's insurance coverage solely because the property to 
1.16 	be covered houses foster care for adults services for five or fewer adult residents.

1.17 	EFFECTIVE DATE; APPLICATION. This section is effective August 1, 2006, 
1.18 	and applies to policies issued or renewed on or after that date.