Prohibits discrimination in the issuance of certain insurance policies based upon inquiries in which loss or damage is revealed

This bill (A 1271) prohibits insurance companies from discriminating against applicants or policyholders based on inquiries about past claims, even if those inquiries revealed no actual loss or damage. It specifically bans insurers from reporting such inquiries to claims databases or using them to deny coverage, charge higher premiums, or place customers in more expensive insurance tiers for homeowners, personal fire, or non-business auto policies. The law directly affects individuals applying for or renewing these specific insurance types by preventing discrimination tied to "inquiries" (like asking about a claim) rather than actual claims history. It takes effect 30 days after becoming law.