Homeowner's insurance policies specified exclusions prohibited when damage is done by a peace officer.

This bill requires homeowner's insurance policies in Minnesota to cover damage caused by peace officers using chemical irritants, smoke screens, or diversionary devices when the homeowner is entitled to compensation from the government. Effective January 1, 2027, insurers cannot exclude coverage for this specific type of damage and must allow homeowners to select their own mitigation contractors and industrial hygienists to address the harm. The law also permits insurers to require homeowners to transfer their right to claim compensation to the insurance company, while maintaining the government's obligation to pay just compensation for such incidents.