Signed by Governor Steve Sisolak

Vote Smart's Synopsis:

Vote to pass a bill that prohibits insurance companies from canceling or amending home insurance because of a dog's breed.

Highlights:

• Prohibits an insurer from doing the following (Sec. 1-1):

• Refusing to issue;

• Canceling;

• Refusing to renew; or

• Increasing a premium or rate for a policy of insurance based solely on the specific breed or mixture of breeds of a dog that is harbored or owned on an applicable property.

• Exempts an insurance company form prohibitions for (Sec. 1-2):

• Refusing to issue;

• Canceling;

• Refusing to renew; or

• Imposing a reasonable increase to a premium or rate for, a policy of insurance based on sound underwriting and actuarial principles on the basis that a particular dog which is harbored or owned on an applicable property is known to be dangerous or vicious or has been declared to be dangerous or vicious.

• Prohibits an insurer from asking or inquiring about the specific breed or mixture of breeds of a dog which is harbored or owned on an applicable property except to ask if the dog is known to be dangerous or vicious or has been declared to be dangerous or vicious (Sec. 1-3).

• Classifies a “policy of insurance” as (Sec. 1-4):

• A policy of homeowner’s insurance;

• A policy of renter’s insurance;

• A policy of insurance which covers a manufactured home or a mobile home; and

• An umbrella policy.

Full Bill Text