MN HF3938

Minnesota residents who own firearms must maintain liability insurance with minimum coverage of $100,000 per incident for injuries or deaths caused by accidental or unintentional discharge, effective October 1, 2026

Insurers writing homeowner's insurance in Minnesota must offer at least one policy form or rider providing the required firearm liability coverage

First-time violations are a petty misdemeanor with fines up to $300 (may be waived if proof of insurance is provided within 30 days); second or subsequent violations within five years are misdemeanors with fines up to $1,000

Firearm owners remain liable for lost or stolen firearms until the loss or theft is reported to law enforcement

Exemptions available through district court petition for those denied coverage by two or more insurers, or those who qualify for a public defender and cannot afford coverage; exemptions require proof of safe storage and are valid for two years