Louisiana § RS 22:881.1 - Discounts; disclosure requirements; renewals and prior premiums; homeowners' and motor vehicle policies
Full text of Louisiana Louisiana Civil Code § RS 22:881.1 — Discounts; disclosure requirements; renewals and prior premiums; homeowners' and motor vehicle policies, with citation guidance and answers to common questions.
§ RS 22:881.1. Discounts; disclosure requirements; renewals and prior premiums; homeowners' and motor vehicle policies
A. Every insurer that writes homeowners' or private passenger motor vehicle insurance policies in this state shall, in writing that is not less than twelve-point font, disclose all discounts that the insurer offers that may reduce the homeowners' or motor vehicle insurance premium of a policyholder or prospective policyholder. Insurers shall ensure that the disclosure is delivered by electronic means as defined in R.S. 22:2461 or submit the disclosure within the written materials of a new policy delivered to the policyholder and at each subsequent renewal. For purposes of this Section, "discounts" means premium credits advertised by an insurer to policyholders who meet certain criteria defined by the insurer. An insurer's failure to comply with this Section does not create a cause of action.
B. If an insurer issues a renewal policy of homeowners' or private passenger motor vehicle insurance in this state, the insurer shall provide the premium for the policy last issued by the insurer with the respective renewal policy and shall ensure the prior premium is prominently displayed in close proximity to the renewal premium.
C. This Section does not apply to excess and surplus lines.
Acts 2024, No. 611, §1, eff. May 1, 2025; Acts 2025, No. 11, §1.
Source: official Louisiana text · Last verified 2026-08-27
Frequently Asked Questions About Louisiana § RS 22:881.1
What does Louisiana Civil Code § RS 22:881.1 cover?
Section RS 22:881.1 ("Discounts; disclosure requirements; renewals and prior premiums; homeowners' and motor vehicle policies") is part of the Louisiana Civil Code, the codified statutory law of Louisiana. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Louisiana § RS 22:881.1?
A common citation format is "Louisiana Civil Code § RS 22:881.1" (Louisiana). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Louisiana law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Louisiana official source linked on this page or consult a licensed Louisiana attorney.
How does Louisiana § RS 22:881.1 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Louisiana can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Louisiana.