Establishes provisions relating to insurance coverage for damages to property or motor vehicle due to firearm discharge incidents

HB 3127 requires insurance companies in Missouri to cover reasonable additional living expenses (like temporary housing, meals, and transportation) when a firearm discharge incident makes a home uninhabitable, regardless of whether the discharge was intentional or accidental. It applies to homeowners, renters, and dwelling insurance policies issued or renewed on or after January 1, 2027, and also mandates coverage for motor vehicle damage from firearm incidents. Insurers must specify coverage limits in policies (either a dollar amount or time period) and cannot cover unrelated expenses like evacuations not tied to the incident. The bill does not regulate firearm ownership, impose liability on gun users, or change existing policy terms beyond requiring this specific coverage.