Introduced
by
To prohibit an insurance company from excluding coverage in a homeowners insurance policy for injuries resulting from an act committed by a homeowner in self-defense, and establish that self-defense is an exception to any “intentional acts” exclusion in a policy. Under the bill, an inflicting an injury in self-defense could not be considered an “expected” or “intended” act. In the 1990s, the Michigan Supreme Court ruled that a homeowner who had injured an intruder in self-defense had committed an “intentional” act, and so was not covered by his insurance.
Referred to the Committee on Banking and Financial Institutions
