MS HB739

Requires all insurers authorized to sell homeowners insurance in Mississippi to submit data to the Department of Insurance every three years beginning October 1, 2015, including direct incurred losses, earned premiums, policy limits, and number of policies in force, organized by zip code.

Mandates insurers provide separate data for three categories: homeowners policies with windstorm coverage, homeowners policies without windstorm coverage, and windstorm-only policies; includes condominiums, dwelling fire, renters, and mobile home insurance.

Authorizes the Department of Insurance to post aggregated (not company-specific) insurance data and rate-making methodology on its website for public access, while protecting individual insurer data as confidential.

Establishes penalties of $2,500 per month for insurers failing to comply within 90 days of notice, with collected funds deposited into the Municipal Fire Protection Fund.

Expires July 1, 2022, and takes effect July 1, 2015.