Insurance: insurers; property insurance denial, cancellation, or increased premiums for owners of certain breeds of dogs; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 2130a.

HB 6012 prohibits insurance companies in Michigan from denying, canceling, or raising premiums on residential property liability policies based solely on the breed or mix of dogs owned by the policyholder. The bill also bans insurers from asking about or investigating specific dog breeds when underwriting these policies. While the law restricts breed-based decisions, it allows insurers to continue adjusting rates or coverage based on other standard underwriting factors unrelated to dog breeds. This change applies to all residential property liability insurance policies issued or renewed on or after January 1, 2025.