DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part of the
legislative instrument. The keyword, one-liner, abstract, and digest do not constitute part of the law
or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
HB 458 Original 2021 Regular Session Firment
Abstract: Provides for additional living expenses and fair rental value coverages under residential
insurance policies.
Proposed law provides that if a residential property insurance policy includes a coverage for
additional living expenses or fair rental value and the insured location experiences a stoppage of
essential utilities, such as water, electricity, sewer, or natural gas services, for a period of at least 24
hours then the insured location shall be deemed uninhabitable, not fit to live in, or not fit for its
normal use, until the essential utilities are functionally restored.
Proposed law provides that proposed law shall apply to each insurer authorized to engage in the
business of residential property insurance in this state.
Effective July 1, 2021.
(Adds R.S. 22:1897)