1.1 	A bill for an act
1.2 	relating to commerce; prohibiting an insurer from imposing a surcharge on 
1.3 	homeowners insurance for a consumer inquiry;proposing coding for new law 
1.4 	in Minnesota Statutes, chapter 65A.
1.5 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.6 	Section 1. [65A.285] SURCHARGE PROHIBITION.
1.7 		Subdivision 1.Surcharge prohibition. An insurer may not impose a surcharge on 
1.8 	homeowners insurance as a result of a consumer inquiry.
1.9 		Subd. 2.Definitions. For purposes of this section:
1.10 	(1) "consumer inquiry" means a telephone call or other communication made to an 
1.11 	insurer that does not result in a paid claim and that is in regard to the general terms or 
1.12 	conditions of or coverage offered under an insurance policy. The term includes a question 
1.13 	concerning the process for filing a claim and whether a policy will cover a loss; and
1.14 	(2) "surcharge" means an increase in premium for a policy, including the removal 
1.15 	of a claim-free discount.