Senate Bill No. 1386 aims to prohibit discrimination by insurers against homeowners or tenants based on the breed of dog owned or harbored by the insured or applicant. Effective July 1, 2025, insurers will not be allowed to charge increased premiums, cancel, refuse to renew, or limit coverage solely due to a dog's breed or breed mixture. However, insurers can take action if a specific dog is designated as dangerous based on underwriting principles derived from the insurer's actual loss experience. Additionally, the bill protects service animals and therapy animals from being used as a basis for establishing rates or premiums, ensuring that dogs trained to assist individuals with disabilities are not discriminated against.

Furthermore, the bill mandates the Commission on Human Rights and Opportunities to evaluate the feasibility of establishing a penalty for the intentional misrepresentation of a dog as a service animal to gain accommodations under the Americans with Disabilities Act. The Commission is required to report its findings to the relevant legislative committees by February 1, 2026. The bill includes new legal language regarding these provisions while deleting any existing laws that may conflict with these protections.