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 coverage, increasing premiums, or restricting policies solely because a homeowner or renter owns or harbors a specific dog breed. It directly affects renters and homeowners who might previously have faced higher costs or denial of insurance due to their dog's breed. The law requires insurers to offer standard coverage for homeowners' and renters' policies without discrimination based on dog breed. It applies to all policies issued, renewed, or modified after the law takes effect. The bill does not prevent insurers from considering other factors unrelated to dog breed.