AN ACT PROHIBITING DISCRIMINATION IN INSURANCE UNDERWRITING BASED ON THE BREED OF A HOMEOWNER'S DOG.

HB 6131 prohibits insurers from charging higher fees, canceling, refusing to renew, or denying homeowners or renters insurance based solely on the breed of a homeowner's dog. It directly affects dog-owning homeowners in the state who might have faced unfair insurance costs due to their dog's breed. The bill allows insurers to take action (like higher fees or denial) only if a *specific dog* is designated as "dangerous" based on the insurer's actual loss data for that dog, not its breed. The Insurance Commissioner can also create rules to enforce these provisions.