House File 4133, authored by Representatives Kelly Moller, Zack Stephenson, Kari Rehrauer, and Larry Kraft, with Senator Bonnie Westlin carrying the Senate companion, cleared the Minnesota House of Representatives on April 20, 2026, and the Senate on April 28, 2026. The governor approved the bill on May 5, 2026. It takes effect January 1, 2027, and applies to any homeowner’s policy offered, issued, or renewed on or after that date.