Insurance; fire insurance; rural fire departments; coverage; response fee; motor vehicle liability coverage; Insurance Commissioner; effective date.

HB 1631 requires insurance policies in rural fire protection districts to cover fire department responses for both residential fires and motor vehicle accidents. For residential properties, policies must cover at least 2% of property value, with response fees set at $1,000 for the first hour and $250 per additional quarter hour (including costs for firefighting foam replacement). For motor vehicle accidents, liability policies must cover fire department response at $540 per hour (first hour) and $135 per quarter hour (with a 25% surcharge for powered rescue equipment), plus fees for absorbent materials. All rates must be reviewed annually by the Insurance Commissioner using the Consumer Price Index or an approved alternative, effective November 1, 2025.