{"data":{"id":"us-mn/minn.-stat.-65a.285","jurisdiction":"us-mn","citation":"Minn. Stat. § 65A.285","heading":"SURCHARGE PROHIBITION.","body":"Subdivision 1. Surcharge prohibition.\nAn insurer may not impose a surcharge on homeowners insurance solely as a result of a consumer inquiry.\nSubd. 2. Definitions.\nFor purposes of this section:\n(1) \"consumer inquiry\" means a telephone call or other communication made to an insurer that does not result in a paid claim and that is in regard to the general terms or conditions of or coverage offered under an insurance policy. The term includes a question concerning the process for filing a claim and whether a policy will cover a loss; and\n(2) \"surcharge\" means an increase in premium for a policy, including the removal of a claim-free discount.","path":["INSURANCE","CHAPTER 65A. FIRE AND RELATED INSURANCE","HOMEOWNER'S INSURANCE"],"source_url":"https://www.revisor.mn.gov/statutes/cite/65A.285","current_through":"2025 Minnesota Statutes","vintage":"","retrieved_at":"2026-09-02T22:10:29Z","sha256":"527afef458869465dd779c993c813608d0a9f87aac3fac598a4fd937deebda91","source_id":"us-mn","stale":false,"prev":"us-mn/minn.-stat.-65a.28","next":"us-mn/minn.-stat.-65a.29"},"notice":"GroundRules: Original legal text. Not legal advice."}