Insurance; fire insurance; rural fire departments; coverage; response fee; motor vehicle liability coverage; Insurance Commissioner; effective date.

HB 1631 requires fire insurance policies in Oklahoma's rural fire protection districts to cover fire department response for residential fires at 2% of the property value, with a base fee of $1,000 for the first hour and $250 for each additional 15 minutes. It also mandates that motor vehicle liability policies cover fire department response to accidents at $540 for the first hour and $135 per additional 15 minutes, plus a 25% surcharge if powered rescue equipment is used. Both fee structures must be reviewed annually by the Oklahoma Insurance Commissioner using the Consumer Price Index or an approved alternative index. The bill takes effect November 1, 2025, directly affecting rural homeowners and motor vehicle policyholders in designated fire districts.