Minnesota HF3938 mandates firearm owners to have liability insurance and requires homeowners' and tenants' policies to cover accidental firearm.

Minnesota HF3938 requires all firearm owners to maintain liability insurance covering accidental discharges, with a minimum coverage of $100,000 per incident. Homeowners' and tenants' insurance policies must also include this coverage. Failure to provide proof of such insurance can result in fines, with escalating penalties for repeat offenses. Exemptions may be granted under specific conditions, such as being denied coverage by multiple insurers or lack of financial means, subject to court approval. The law takes effect on October 1, 2026.

Minnesota HF3938 mandates firearm owners to have liability insurance and requires homeowners' and tenants' policies to cover accidental firearm.

Minnesota HF3938 requires all firearm owners to maintain liability insurance covering accidental discharges, with a minimum coverage of $100,000 per incident. Homeowners' and tenants' insurance policies must also include this coverage. Failure to provide proof of such insurance can result in fines, with escalating penalties for repeat offenses. Exemptions may be granted under specific conditions, such as being denied coverage by multiple insurers or lack of financial means, subject to court approval. The law takes effect on October 1, 2026.