Task force on homeowners and commercial property insurance established, report required, and money appropriated.

HF 2228 establishes a 13-member task force to address insurance affordability issues affecting homeowners, renters in multifamily housing, common interest communities, cooperatives, and small businesses. The task force will review topics like risk mitigation, liability laws, reinsurance markets, and climate-related claim costs, then submit recommendations by February 2026. The bill appropriates $200,000 from the general fund to cover the task force’s operational costs through June 2026. It does not make immediate policy changes but requires a final report with findings and draft legislation to strengthen Minnesota’s property insurance system.