Minnesota SF4406 prohibits homeowner's insurance policies from excluding coverage for damage caused by peace officers using chemical irritants, smoke.

Minnesota SF4406 amends state law to ensure that homeowner's insurance policies cannot exclude coverage for damage caused by peace officers using chemical irritants, smoke screens, or distraction devices. This change applies to policies offered, issued, or renewed on or after January 1, 2027. The bill does not affect local governments' obligations to provide just compensation for such damages. Insurers may still require homeowners to subrogate their interest in the compensation to the insurer.

Minnesota SF4406 prohibits homeowner's insurance policies from excluding coverage for damage caused by peace officers using chemical irritants, smoke.

Minnesota SF4406 amends state law to ensure that homeowner's insurance policies cannot exclude coverage for damage caused by peace officers using chemical irritants, smoke screens, or distraction devices. This change applies to policies offered, issued, or renewed on or after January 1, 2027. The bill does not affect local governments' obligations to provide just compensation for such damages. Insurers may still require homeowners to subrogate their interest in the compensation to the insurer.