FL S0424

Prohibits personal lines property and automobile insurers from refusing to issue, renew, or cancel policies, or charging unfairly discriminatory rates based on lawful firearm or ammunition ownership, possession, or use 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.

Prohibits insurers from disclosing firearm ownership or possession information to third parties or affiliated entities without first disclosing the specific need and obtaining express written consent, except when disclosure is necessary to quote, bind, continue coverage, or adjust claims.

Permits sharing of firearm ownership information between insurers and licensed agents when a separate rider for firearms coverage has been voluntarily requested by the policyholder.

Effective date: July 1, 2014.