Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateMinnesotaIntroduced
HF 4133: Homeowner's insurance policies specified exclusions prohibited when damage is done by a peace officer.
Kelly Moller
HF 4133 status: Introduced — Effective date 01/01/2027 (updated Jan 1, 2027).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
57OUT OF 100
Score:57/100 civic fit
Risk:Low Risk
Impact:Moderate Impact 40/100
Constitutionality80%
Bipartisan50%
Public opinion75%
Bill summary
What changes
The bill prohibits insurance companies from including exclusions in homeowners' policies that deny coverage for property damage caused by peace officers.
Who is affected
Minnesota homeowners, insurance providers operating in Minnesota, and law enforcement agencies involved in operations that result in property damage.
Requirements and enforcement
Insurance companies must remove or revise policy language that currently excludes damage caused by law enforcement.
Costs and funding
Not stated in the available source; however, potential for industry compliance costs and premium adjustments.
When it takes effect
Effective date is January 1, 2027.
Potential benefits
Homeowners gain guaranteed coverage for property damage resulting from police actions, reducing the financial risk to individuals during law enforcement interactions.
Risks and tradeoffs
Potential for premium increases and increased litigation regarding the classification of property damage linked to police activity.
What is still unknown
The specific definitions of 'peace officer' activity and how the bill interacts with existing local government indemnification statutes.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Mixed / Neutral
50%
Benefits
- Increases financial protection for homeowners
- Reduces out-of-pocket repair costs for property owners
- Standardizes insurance coverage language
Risks
- Potential for increased insurance premiums
- Administrative costs for policy revision
- Increased risk exposure for insurance providers
Society
Positive outlook
60%
Benefits
- Promotes financial stability for households
- Reduces personal financial trauma from property loss
- Provides clearer rights for victims of property damage
Risks
- Disputes over damage attribution likely
- Complexity in proving officer involvement
- Delays in claims processing possible
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
Positive outlook
60%
Benefits
- Increases regulatory oversight of insurance contracts
- Aligns private policy with public interests
- Limits arbitrary industry exclusions
Risks
- Complexity in defining 'peace officer' actions
- Potential for administrative enforcement challenges
- Increased burden on state insurance regulators
Public Health & Safety
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
LegiScan returned a PDF-only document. PDF extraction is not enabled in this build, so the pipeline used a safer fallback.
Analysis scope
Source provided is a summary and lacks full bill text.
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
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06
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