MN HF2042

Prohibits insurers from refusing to renew or declining to offer homeowner's insurance coverage solely because a property houses day care services for five or fewer children.

Prevents insurers from refusing renewal, declining coverage, reducing limits, canceling, or charging differential rates for homeowner's policies if the day care provider maintains a separate business coverage policy and operates within licensing capacity.

Eliminates homeowner's policy coverage for losses related to day care operations if the day care provider's separate business coverage policy lapses or is no longer in force.

Effective January 1, 2022, applying to policies issued, sold, or renewed on or after that date.