An act relating to homeowners’ insurance and dog breed discrimination

This bill prohibits insurance companies in Vermont from discriminating against homeowners based solely on owning specific dog breeds or mixed breeds. It makes such discrimination an unfair practice under state insurance law, preventing insurers from using breed alone to deny coverage, cancel policies, or charge higher rates. The law allows insurers to still refuse coverage or increase rates if a specific dog has a documented history of causing significant property damage or serious bodily injury, provided the decision is based on sound underwriting principles. The policy applies to all homeowners' insurance policies offered, issued, amended, or renewed on or after July 1, 2024, and takes effect immediately upon passage.