Prohibits homeowners' insurers from raising rates of insured on basis of insured's appeal of claim determination.

This bill prohibits New Jersey homeowners' insurance companies from increasing premiums or assigning higher risk ratings to policyholders who appeal an insurer's claim denial or settlement decision. It directly affects homeowners who dispute insurance payouts for property damage, ensuring they cannot be penalized financially for exercising their right to appeal. The key provision bans insurers from raising rates "on the basis of an insured's appeal of a claim determination" under any rating plan. The law applies immediately to all new or renewed insurance contracts delivered in New Jersey after its effective date.