---
urn: urn:us-la:rs:22:1336
citation: "R.S. 22:1336"
status: active
breadcrumb: "Title 22 › Chapter 4 › Part IV › Subpart D"
acts_citations:
  - { year: 1992, number: 70, section: 1, effective_date: null, role: enactment }
---

# Homeowner's insurance; acts of God

No insurer shall cancel, fail to renew, or increase the amount of the premium, except upon an area-wide rating basis at the beginning of a new policy period, on a homeowner's policy of insurance based solely upon a loss caused by an "Act of God". An "Act of God" shall mean, in this Section, an incident due directly to natural causes and exclusively without human intervention.