Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds

This bill prohibits insurance companies from denying homeowners or renters insurance, canceling existing policies, or charging higher premiums solely because a policyholder owns a specific breed or mix of dogs. The law requires insurers to treat dog ownership as just one factor among many when assessing risk, rather than an automatic reason to restrict coverage or increase costs. If passed, these rules would apply to all insurance policies issued, renewed, or modified after the bill takes effect, ensuring that breed alone cannot be the basis for discrimination in insurance pricing or availability.