MO SB833

Prohibits insurers from refusing to write or renew homeowner's insurance policies, imposing surcharges, or increasing premiums based solely on claims filed when the property was owned by a previous owner, unless the underlying risk has not been mitigated.

Requires all homeowner's insurance policies issued in Missouri to provide minimum coverage for the actual cash value of structures at the time of loss.

Mandates that insurers pay for verifiable structural damage claims without regard to any misrepresentations in a home inventory when the insured is current on premium payments.

Permits insurers to deny personal property claims if the insured knowingly made false statements on a home inventory.

Defines key terms including "good standing" (current on premium payments), "homeowner's insurance," "structure," "personal property," and "misrepresentation" for purposes of the statute.