prohibiting the use of credit information in underwriting and rating personal automobile and homeowners insurance policies and prohibiting certain surveillance practices by insurers.

HB 1582 prohibits New Hampshire insurers from using credit scores, credit history, or consumer reports to set premiums or make decisions about personal auto and homeowners insurance policies. It also bans insurers from using drones, satellites, or other surveillance to monitor properties without the property owner's written permission, and prevents insurers from threatening to cancel or raise rates if permission for surveillance is denied. The law directly affects all auto and homeowners insurers operating in New Hampshire and every consumer who purchases these policies. Key provisions require insurers to stop basing pricing on credit data and obtain explicit, revocable consent for surveillance, with violations treated as unfair insurance practices. The bill takes effect 180 days after enactment.