CT SB00278

Prohibits insurers from declining, canceling, nonrenewing, or increasing premiums on homeowners policies based solely on losses from adverse weather-related events that were not caused by the insured's negligence, effective October 1, 2014.

Prohibits insurers from declining, nonrenewing, adding surcharges to, or increasing premiums on homeowners policies based solely on claims filed when the property was owned by a previous owner, unless the underlying risk has not been mitigated.

Prohibits insurers from canceling, nonrenewing, or increasing premiums on homeowners policies based solely on inquiries or claims resulting in loss coverage payments of less than $500 or no payment at all.

Removes the exception that previously allowed insurers to take action if an insured filed more than one claim from a noncatastrophic event within three policy years.