Shown verbatim: the complete text as captured from the official PDF posted by the Oklahoma Legislature, fetched 2026-07-23. Page and line markers are part of the official record; nothing is edited or removed. The official bill page.
1 STATE OF OKLAHOMA
2 2nd Session of the 60th Legislature (2026)
3 HOUSE BILL 2929 By: Tedford
4
5
6 AS INTRODUCED
7 An Act relating to insurance; amending 36 O.S. 2021,
Section 3639.1, which relates to cancellation,
8 refusal to renew or increase premium of homeowner's
insurance policy; prohibiting certain terminations;
9 prohibiting certain actions by insurers for claims
occurring more than five years before policy
10 effective date or renewal; directing that insurers
shall not refuse underwriting risk for homeowner's
11 insurance in certain cases; prohibiting certain
actions by insurers for certain claims; providing
12 exceptions; directing that insurers may only consider
at-fault motor vehicle claims history in provided
13 time frame; and providing an effective date.
14
15
16 BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
17 SECTION 1. AMENDATORY 36 O.S. 2021, Section 3639.1, is
18 amended to read as follows:
19 Section 3639.1. A. No insurer shall cancel, refuse to renew or
20 otherwise terminate, or increase the premium of a homeowner's
21 insurance policy or any other personal residential insurance
22 coverage, which has been in effect more than forty-five (45) days,
23 solely because the insured filed a first claim against the policy.
24
Req. No. 14070 Page 1
1 B. No insurer shall cancel, refuse to renew or otherwise
2 terminate, or increase the premium of a homeowner's insurance policy
3 or any other personal residential insurance coverage, including, but
4 not limited to, flood insurance, because of a claim that occurred
5 more than five (5) years before the effective date of the policy or
6 renewal. No insurer shall refuse to underwrite risk for a
7 homeowner's insurance policy or any other personal residential
8 insurance coverage, including, but not limited to, flood insurance,
9 because of a claim that occurred more than five (5) years before the
10 date of application.
11 C. No insurer shall cancel, refuse to renew or otherwise
12 terminate, or increase the premium of a homeowner's insurance policy
13 or any other personal residential insurance coverage, including, but
14 not limited to, flood insurance, based on the claims history of an
15 insured for weather-related claims, unless there were three or more
16 weather-related claims within the preceding three-year period. This
17 subsection shall not apply to claims for weather-related events for
18 which the insurer provided written notice to the insured for
19 reasonable or customary repairs or replacement specific to the
20 insured's premises or dwelling which the insured failed to make and
21 which, if made, would have prevented the loss for which a claim was
22 made.
23
24
Req. No. 14070 Page 2
1 D. The provisions of this section shall not be construed to
2 prevent the cancellation, nonrenewal or increase in premium of a
3 homeowner's insurance policy for the following reasons:
4 1. Nonpayment of premium;
5 2. Discovery of fraud or material misrepresentation in the
6 procurement of the insurance or with respect to any claims submitted
7 thereunder;
8 3. Discovery of willful or reckless acts or omissions on the
9 part of the named insured which increase any hazard insured against;
10 4. A change in the risk which substantially increases any
11 hazard insured against after insurance coverage has been issued or
12 renewed;
13 5. Violation of any local fire, health, safety, building, or
14 construction regulation or ordinance with respect to any insured
15 property or the occupancy thereof which substantially increases any
16 hazard insured against;
17 6. A determination by the Insurance Commissioner that the
18 continuation of the policy would place the insurer in violation of
19 the insurance laws of this state; or
20 7. Conviction of the named insured of a crime having as one of
21 its necessary elements an act increasing any hazard insured against.
22 B. E. An insurer shall give to the named insured at the mailing
23 address shown on a homeowner's policy, a written renewal notice that
24 shall include new premium, new deductible, new limits or coverage at
Req. No. 14070 Page 3
1 least thirty (30) days prior to the expiration date of the policy.
2 If the insurer fails to provide such notice, the premium,
3 deductible, limits and coverage provided to the named insurer prior
4 to the change shall remain in effect until notice is given or until
5 the effective date of replacement coverage obtained by the named
6 insured, whichever occurs first. If notice is given by mail, the
7 notice shall be deemed to have been given on the day the notice is
8 mailed. If the insured elects not to renew, any earned premium for
9 the period of extension of the terminated policy shall be calculated
10 pro rata at the lower of the current or previous year's rate. If
11 the insured accepts the renewal, the premium increase, if any, and
12 other changes shall be effective the day following the prior
13 policy's expiration or anniversary date.
14 C. F. In the event an insured cancels a homeowner's insurance
15 policy or any other personal residential insurance coverage, written
16 notice shall be provided by the insured to the insurer that provided
17 the coverage being canceled. The notice of cancellation shall
18 provide the date of the cancellation of the policy and the insurer
19 shall reimburse the insured for any premiums paid for coverage
20 beyond the date of cancellation of the policy.
21 D. G. An insurer canceling a policy under subsection C F of
22 this section shall not be liable for claims arising after the date
23 of cancellation.
24
Req. No. 14070 Page 4
1 H. An insurer may only consider the applicant's at-fault motor
2 vehicle claims history during the preceding three (3) years when
3 rating a homeowner's insurance policy or any other personal
4 residential insurance coverage.
5 SECTION 2. This act shall become effective November 1, 2026.
6
7 60-2-14070 MJ 11/19/25
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Req. No. 14070 Page 5Every fact on this page links to its source, starting with the official bill record.