{
  "urn": "urn:us-la:rs:22:1485",
  "title_number": "22",
  "section_number": "1485",
  "citation": "R.S. 22:1485",
  "heading": "Homeowners' insurance; premium discounts",
  "text": "A. As used in this Section, the following terms shall have the following meanings:\n\n(1) \"Factory-built home\" has the meaning given to that term in R.S. 9:1149.2.\n\n(2) \"Permanently structured home\" means a structure with a permanent foundation that is not considered factory-built.\n\n(3) \"Security system\" means a monitored security device that is wired to a local law enforcement or fire department.\n\nB. Every insurer authorized to issue a policy of homeowners' insurance in this state who offers a policy premium discount based on the installation or existence of a security system in a permanently structured home shall provide the same or a similar premium discount for policies of homeowners' insurance covering factory-built homes.",
  "status": "active",
  "hierarchy_path": [
    {
      "level": "title",
      "number": "22",
      "name": "INSURANCE CODE"
    },
    {
      "level": "chapter",
      "number": "4",
      "name": "INSURANCE AND INSURANCE CONTRACT REQUIREMENTS BY TYPE OF INSURANCE"
    },
    {
      "level": "part",
      "number": "IV",
      "name": "PROPERTY AND CASUALTY"
    },
    {
      "level": "subpart",
      "number": "O",
      "name": "RATE MAKING PROCEDURES AND ORGANIZATIONS"
    }
  ],
  "breadcrumb": "Title 22 › Chapter 4 › Part IV › Subpart O",
  "acts_citations": [
    {
      "act_year": 1997,
      "act_number": 185,
      "section": 1,
      "effective_date": null,
      "effective_date_raw": null,
      "role": "enactment"
    },
    {
      "act_year": 2024,
      "act_number": 287,
      "section": 4,
      "effective_date": null,
      "effective_date_raw": null,
      "role": "amendment"
    }
  ],
  "acts_citations_raw": "Acts 1997, No. 185, §1; Redesignated from R.S. 22:1464.1 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2024, No. 287, §4. NOTE: Former R.S. 22:1485 redesignated as R.S. 22:1505 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.",
  "source_url": "https://legis.la.gov/legis/Law.aspx?d=508470",
  "website_law_id": 508470,
  "scrape_timestamp": "2026-05-22T22:11:42Z",
  "source_html_hash": "sha256:4a1656e9567ed8530cd6abdbfcd7533dbfdc9d5d6ad55d0d15db0afcf9346974",
  "schema_version": "1.0.0"
}