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HB 345

INSURANCE/PROPERTY: Provides for notices relative to residential property insurance

2025 Regular Session Introduced by Dennis Bamburg and 4 co-sponsors

Louisiana requires residential property insurers to provide standardized notices to policyholders about coverage terms, changes, and cancellations effective July 2026.

Signed by the Governor. Becomes Act No. 182.
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WeVote Research Nonpartisan
Bill Summary · HB 345

Legislative bill overview

HB 345 establishes new notification requirements for residential property insurance in Louisiana, governing how insurers must communicate with policyholders about their coverage. The bill specifies timing, content, and delivery methods for notices related to residential property insurance policies, taking effect July 1, 2026.

Why is this important

Property insurance notices directly affect homeowners' ability to understand their coverage, make informed decisions about their policies, and respond to cancellations or non-renewals. Clear notification requirements can prevent unintended lapses in coverage and disputes between insurers and policyholders during critical situations like storms or property damage claims.

Potential points of contention

  • Administrative burden vs. consumer protection: Insurance companies may argue compliance costs are significant, while consumer advocates contend robust notices are essential for fair dealing in an already complex market
  • Notice delivery methods: Disagreement over whether electronic notices adequately serve all demographics, particularly elderly homeowners or those with limited digital access
  • Timing and effective date: The one-year implementation delay (July 2026) may reflect industry concerns about rapid compliance or represent consumer groups wanting faster protections

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

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