HLS 25RS-390 ORIGINAL
2025 Regular Session
HOUSE BILL NO. 148
BY REPRESENTATIVE WILEY
Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
INSURANCE: Requires insurers to provide prior premium amounts with renewals of
certain insurance policies
1 AN ACT
2To amend and reenact R.S. 22:881.1, relative to insurers; to provide relative to homeowners'
3 and private passenger motor vehicle insurance; to require insurers to provide the
4 prior premium amount with renewals; and to provide for related matters.
5Be it enacted by the Legislature of Louisiana:
6 Section 1. R.S. 22:881.1 is hereby amended and reenacted to read as follows:
7 ยง881.1. Discounts; disclosure requirements; renewals and prior premiums;
8 homeowners' and motor vehicle policies
9 A. Every insurer that writes homeowners' or private passenger motor vehicle
10 insurance policies in this state shall, in writing that is not less than twelve-point font,
11 disclose all discounts that the insurer offers that may reduce the homeowners' or
12 motor vehicle insurance premium of a policyholder or prospective policyholder.
13 Insurers shall ensure that the disclosure is delivered by electronic means as defined
14 in R.S. 22:2461 or submit the disclosure within the written materials of a new policy
15 delivered to the policyholder and at each subsequent renewal. For purposes of this
16 Section, "discounts" means premium credits advertised by an insurer to
17 policyholders who meet certain criteria defined by the insurer. An insurer's failure
18 to comply with this Section does not create a cause of action.
19 B. If an insurer issues a renewal policy of homeowners' or private passenger
20 motor vehicle insurance in this state, the insurer shall provide the premium for the
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions. HLS 25RS-390 ORIGINAL
HB NO. 148
1 policy last issued by the insurer with the respective renewal policy, and shall ensure
2 the prior premium is prominently displayed in close proximity to the renewal
3 premium.
4 B. C. This Section shall does not apply to excess and surplus lines.
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 148 Original 2025 Regular Session Wiley
Abstract: Requires homeowners' and motor vehicle insurers to include the amount of prior
premiums with renewal policies.
Proposed law requires insurers renewing homeowners' or private passenger motor vehicle
insurance to include the policyholder's premium for the policy last issued by the insurer.
Requires insurers to prominently display the prior premium in close proximity to the renewal
premium.
(Amends R.S. 22:881.1)
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions.