The proposed legislation, General Assembly Raised Bill No. 1386, aims to prohibit homeowners and tenants insurance policies from discriminating against individuals based on the breed of dog they own or harbor. Effective July 1, 2025, insurers will not be allowed to charge increased premiums, cancel, refuse to renew, or refuse to issue policies solely based on the breed of dog. However, insurers may still take action if a specific dog is designated as dangerous based on underwriting principles derived from the insurer's loss experience. Additionally, the bill specifies that no insurance policy can establish rates or premiums based on the breed of a dog trained or being trained as a service animal for individuals with disabilities.

Furthermore, the bill mandates the Commission on Human Rights and Opportunities to evaluate the feasibility of establishing penalties for the intentional misrepresentation of dogs as service animals 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 to implement these provisions while deleting any conflicting regulations.