An insurer may not impose a surcharge on homeowners insurance solely as a result of a consumer inquiry.
For purposes of this section:
(1) "consumer inquiry" means a telephone call or other communication made to an insurer that does not result in a paid claim and that is in regard to the general terms or conditions of or coverage offered under an insurance policy. The term includes a question concerning the process for filing a claim and whether a policy will cover a loss; and
(2) "surcharge" means an increase in premium for a policy, including the removal of a claim-free discount.
Official Publication of the State of Minnesota
Revisor of Statutes