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Minnesota homeowner premium discount for FORTIFIED program standards
Minnesota Legislature; administered by insurers under Minnesota statute · State program
Premium discount or insurance rate reduction; amount not stated in statute
Minnesota law requires insurers to give a premium discount or rate reduction for certain homes that meet IBHS FORTIFIED program standards. The statute specifically covers new insurable property and requires proof of compliance before the discount is applied.
Program details
How it works
Minnesota Statutes section 65A.298 requires an insurer to provide a premium discount or insurance rate reduction to an owner who builds or locates a new insurable property in Minnesota that meets FORTIFIED program standards, including a hail supplement administered by IBHS.
What the discount covers
The statute ties the discount to residential property that has been designated as meeting the FORTIFIED program standards.
Amounts and matching
The statute requires a discount or rate reduction, but it does not state a percentage or dollar amount in the text reviewed.
How to apply
An owner claiming the discount must submit and maintain an IBHS certificate showing proof of compliance with the FORTIFIED standards before receiving the discount or rate reduction.
Timing and deadlines
The statute applies as part of Minnesota insurance law. The official statute text does not provide a separate deadline or application period.
Full eligibility details
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