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Key: (1) language to be deleted (2) new language


                         Laws of Minnesota 1987 

                         CHAPTER 293-S.F.No. 80 
           An act relating to insurance; providing flexibility in 
          the amount of coverages other than for the dwelling 
          under a homeowner's policy; proposing coding for new 
          law in Minnesota Statutes, chapter 65A. 
    Section 1.  [65A.295] [HOMEOWNER'S INSURANCE COVERAGE.] 
    (a) Every insurer writing homeowner's insurance in this 
state shall make available at least one form of homeowner's 
policy for each level of peril coverage offered by the insurer 
in which the insured has the option to specify the dollar amount 
of coverage provided for structures other than the dwelling and 
for personal property.  The premium must be reduced to reflect 
the reduced risk of lesser coverage. 
    (b) A written notice must be provided to all applicants for 
homeowner's insurance at the time of application informing them 
of the options provided in paragraph (a). 
    (c) Coverage for structures other than the dwelling is the 
coverage provided under "Coverage B, Other Structures" in the 
standard homeowner's policy.  Coverage for personal property is 
the coverage provided under "Coverage C, Personal Property" in 
the standard homeowner's package policy. 
    (d) "Level of peril" refers to basic, broad, and all risk 
levels of coverage. 
    Sec. 2.  [EFFECTIVE DATE.] 
    Section 1 is effective January 1, 1988. 
    Approved May 28, 1987

Official Publication of the State of Minnesota
Revisor of Statutes