MN SF4231

Minnesota residents who own firearms must maintain liability insurance with minimum coverage of $100,000 per incident for injuries or damages 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 petty misdemeanors with fines up to $300 (may be waived if proof of insurance is shown within 30 days); second or subsequent violations within five years are misdemeanors with fines up to $1,000

Federal firearm licensees are exempt, and individuals may petition district court for exemption if denied coverage by two or more insurers or if they qualify for a public defender and cannot afford coverage

Court exemptions require proof of a gun safe or secure storage container with demonstrated permanent location in the home, and exemption orders are valid for two years