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Office of the Revisor of Statutes

SF 4406

Introduction - 94th Legislature (2025 - 2026)

Posted on 04/06/2026 01:58 p.m.

KEY: stricken = removed, old language.
underscored = added, new language.
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A bill for an act
 relating to insurance; prohibiting certain exclusions in homeowner's insurance
policies when damage is done by a peace officer; amending Minnesota Statutes
2024, section 65A.27, subdivision 1; proposing coding for new law in Minnesota
Statutes, chapter 65A.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

Minnesota Statutes 2024, section 65A.27, subdivision 1, is amended to read:


Subdivision 1.

Scope.

For purposes of sections 65A.27 to deleted text begin 65A.302deleted text end new text begin 65A.304new text end , the following
terms have the meanings given.

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective January 1, 2027, and applies to
homeowner's insurance policies offered, issued, or renewed on or after that date.
 new text end

Sec. 2.

new text begin [65A.304] DAMAGE BY PEACE OFFICERS.
 new text end

new text begin Subdivision 1. new text end

new text begin Definitions. new text end

new text begin (a) For purposes of this section, the following terms have
the meanings given.
 new text end

new text begin (b) "Just compensation" has the meaning given in section 626.74, subdivision 1, clause
(1).
 new text end

new text begin (c) "Peace officer" has the meaning given in section 626.84, subdivision 1, paragraph
(c).
 new text end

new text begin Subd. 2. new text end

new text begin Exclusion prohibited. new text end

new text begin (a) A policy of homeowner's insurance must not include
an exclusion for circumstances when the homeowner is owed just compensation under
section 626.74 for damage due to a peace officer's use of chemical irritants, smoke screens,
or distraction devices.
 new text end

new text begin (b) Nothing in this section affects a local government's duty to pay just compensation
under section 626.74.
 new text end

new text begin (c) Nothing in this section prohibits an insurer from requiring a homeowner to subrogate
the homeowner's interest in the just compensation to the insurer.
 new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective January 1, 2027, and applies to
homeowner's insurance policies offered, issued, or renewed on or after that date.
 new text end