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Bill

HB 1274

Insurance mandated gun free zone notices.

2026 Regular Session Introduced by Garrett Bascom and 6 co-sponsors

Indiana bill requires insurance companies to notify policyholders in writing about gun-free zone policies and related liability implications on insured properties.

Signed by the Governor
#firearmsandweapons #insurance;generally
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Bill Summary · HB 1274

Legislative bill overview

HB 1274 requires insurance companies to notify policyholders about gun-free zone policies and their legal implications. The bill mandates that insurers provide written notice detailing which properties or locations are designated as gun-free zones and clarify liability protections or restrictions related to firearms on those premises.

Why is this important

Insurance policies often contain exclusions or special conditions related to firearms and gun-free zones, but many policyholders are unaware of these terms until a claim arises. This bill aims to increase transparency in insurance contracts and ensure property owners and renters understand their coverage gaps and legal obligations regarding firearms on insured properties.

Potential points of contention

  • Insurance industry burden: Insurers may argue that mandatory notification requirements increase administrative costs and could complicate policy documents, potentially leading to higher premiums
  • Defining scope and liability: Ambiguity exists around which zones trigger notification requirements and whether insurers bear legal responsibility if notice is inadequate or misunderstood
  • Second Amendment vs. property rights: Disagreement over whether gun-free zone restrictions on private property align with Second Amendment protections versus property owners' rights to set rules

Compiled from official sources — confirm details with the bill’s official record.

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