HOMEOWNER'S LIABILITY INS-DOGS

Amends the Illinois Insurance Code. Provides that an insurer that issues a policy or contract insuring against liability for injury to any person or against liability for injury to or destruction of property, arising out of ownership or lease of residential one, 2, 3, or 4 dwelling real property, may cancel, charge, or impose an increased premium or rate for or refuse to issue or renew that kind of policy or contract based in whole or in part upon the harboring of a dog found to be vicious under the Animal Control Act upon the insured property. Provides that an insurer that issues a policy or contract insuring against liability for injury to any person or against liability for injury to or destruction of property, arising out of ownership or lease of residential one, 2, 3, or 4 dwelling real property, may not cancel, charge, or impose an increased premium or rate for or refuse to issue or renew that kind of policy or contract based in whole or in part upon the harboring of a specific breed of dog upon the insured property. Provides that before issuing a policy or contract an insurer may not ask or inquire about a dog's breed upon the insured property, but may ask or inquire about: the number of dogs on the property; whether the dogs have been sterilized; and whether any of the dogs have been deemed vicious dogs under the Animal Control Act or have a history of biting a human. Senate Committee Amendment No. 2 Replaces everything after the enacting clause. Amends the Illinois Insurance Code. Provides that an insurance company offering homeowner's insurance coverage or renter's insurance coverage that issues a policy or contract insuring against liability for injury to a person or injury to or destruction of property arising out of the ownership, lease, or rental of residential property shall, for any claim involving a dog-related incident, record specified circumstances relating to the incident. Provides that the information shall be collected for a 3-year period beginning on January 1, 2022 and shall be reported annually to the Department of Insurance. Requires the Department to make the information available on the Department's website by July 1, 2023 and update the information each July 1 through July 1, 2025. Provides that an insurer offering specified insurance that does not have any dog breed restrictions or dog breed lists impacting underwriting and rating is exempt from the information reporting requirements if the insurer certifies annually in writing to the Department that they do not have or use any dog breed restrictions or dog breed lists. Senate Committee Amendment No. 3 Provides that an insurer offering insurance that does not have any dog breed restrictions or dog breed lists impacting underwriting or rating (rather than underwriting and rating) is exempt from the reporting requirements if the insurer certifies annually in writing to the Department of Insurance that they do not have or use any dog breed restrictions or dog breed lists. Senate Floor Amendment No. 4 Replaces everything after the enacting clause. Amends the Illinois Insurance Code. Provides that an insurance company offering homeowner's insurance coverage or renter's insurance coverage that issues a policy or contract insuring against liability for injury to a person or injury to or destruction of property arising out of the ownership, lease, or rental of residential property shall, to the best of their ability, for any claim involving a dog-related incident, record specified circumstances relating to the incident. Provides that the information shall be collected for a 2-year period beginning on January 1, 2022 and shall be reported annually to the Department of Insurance. Requires the Department to make the information available on the Department's website by July 1, 2023 and update the information each July 1 through July 1, 2024. Provides that the information or data collected by the Department shall not be released or published in any way that violates the confidentiality or proprietary status or nature of the data.