MO HB2532

Requires insurers offering homeowners', dwelling-owners', or renters' insurance in Missouri to cover additional living expenses when gun violence renders a property temporarily uninhabitable, effective January 1, 2027

Defines "gun violence incident" broadly to include any firearm use resulting in shots or explosions, including drive-by shootings and gunfire causing structural damage, regardless of whether a specific target was intended

Covered expenses include temporary housing (hotels, apartments, rental homes), increased transportation costs, meals above normal expenses, and other necessary living costs while property is repaired or the insured relocates

Insurers must specify coverage limits in policy declarations as either a dollar-amount cap or an ending-date limit based on number of days from the incident

Insurers may impose a waiting period of up to 48 hours before coverage begins, and insureds must immediately notify the insurer, document expenses, and cooperate with investigations to receive benefits