FL H0255

Amends Florida Statutes section 626.9541 to designate unfair discrimination based on firearm or ammunition ownership as a discriminatory insurance practice for personal lines property and automobile insurance.

Prohibits personal lines insurers from refusing to issue, reissue, or renew policies; canceling policies; or charging unfairly discriminatory rates based on lawful firearm or ammunition ownership by applicants, insureds, or household members.

Allows insurers to charge supplemental premiums for separate riders voluntarily requested to insure firearms or firearm collections exceeding standard policy coverage limits.

Restricts insurers from disclosing firearm ownership information to third parties or affiliated entities without specific disclosure to the applicant and express consent, except when necessary to quote, bind, continue coverage, or adjust claims.

Permits information sharing between insurance companies and licensed agents regarding firearm ownership when a separate rider has been voluntarily requested by the policyholder; effective July 1, 2014.