homeowners; renters; insurance; cancellation; nonrenewal

Arizona's SB 1788 requires insurers to disclose key details about homeowners' and renters' insurance policies, including coverage exclusions (like flood or mold), factors used to set premiums (such as property location or aerial imagery), and available discounts for safety improvements. The bill prohibits insurers from using a dog's breed as a sole factor in coverage decisions or pricing, and limits the use of aerial/satellite imagery to 180 days for underwriting. During declared state emergencies (e.g., wildfires), insurers cannot cancel policies for nonpayment within 60 days or refuse renewals for 12 months in affected areas. Additionally, insurers must provide 60 days' written notice with explanations for premium increases over 10% or significant coverage reductions.