NH HB1582

Prohibits insurers and insurance producers from using credit history, credit scores, or consumer reports as factors in underwriting, rating, renewing, canceling, or declining personal automobile and homeowners insurance policies

Bans insurers from using drones to conduct surveillance or inspection of private property for homeowners insurance purposes without express written permission from the property owner

Prohibits insurers from using satellite imagery, aerial photography, or commercial observation products (such as Google Earth) to increase premiums, cancel, or decline to renew homeowners insurance policies

Classifies violations of these provisions as unfair methods of competition and unfair/deceptive trade practices in the insurance business under RSA 417:4

Takes effect 180 days after passage and repeals existing provisions that allowed credit-based rating under certain conditions