MO HB3127

Requires homeowners', dwelling-owners', and renters' insurance policies issued or renewed after January 1, 2027 to cover additional living expenses when a firearm discharge incident renders property temporarily uninhabitable, including temporary housing, meals, and transportation costs

Defines "firearm discharge incident" broadly to include any discharge causing property damage or uninhabitable conditions, regardless of whether intentional, accidental, criminal, or stray

Mandates motor vehicle insurance policies cover damage from firearm discharge incidents, including total loss evaluation when a homicide occurs inside the vehicle considering biohazard contamination and restoration costs

Allows insurers to impose a waiting period of up to 48 hours before coverage becomes effective and requires policyholders to promptly notify insurers and provide documentation of expenses

Explicitly states the provisions shall not regulate firearm ownership, impose liability on firearm owners, or affect constitutional rights