Subdivision 1.No coverage.

There shall be no coverage under a foster care for adults provider’s homeowner’s insurance policy for losses or damages arising out of the operation of foster care for adults services unless:

Terms Used In Minnesota Statutes 65A.301

  • Adult: means an individual 18 years of age or older. See Minnesota Statutes 645.451
  • Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.

(1) specifically covered in a policy; or

(2) covered by a rider for business coverage attached to a policy.

For purposes of this section, “foster care for adults” has the meaning given in section 245A.02, subdivision 6c.

Subd. 2.Prohibited underwriting practices.

No insurer shall refuse to renew, or decline to offer or write, homeowner’s insurance coverage solely because the property to be covered houses foster care for adults services for five or fewer adult residents.