The bill amends the Michigan Insurance Code of 1956 by adding Section 2130a, which prohibits insurers from considering the breed or mixture of breeds of dogs when delivering, issuing, or renewing residential property liability insurance policies. Specifically, it makes it an unfair practice for insurers to use a dog's breed in decisions related to policy cancellation, coverage refusal, premium increases, or the imposition of exclusions. Additionally, insurers are barred from inquiring about or investigating the specific breed of dogs residing at the insured property.

However, the bill allows insurers to refuse or cancel policies or increase rates based on sound underwriting and actuarial principles that are unrelated to the dog's breed. The definition of "residential property liability insurance" is expanded to include various types of residential properties, and the new regulations will apply to policies issued or renewed on or after the effective date of the amendatory act, which is set for January 1, 2027.

Statutes affected:
House Introduced Bill: 500.100, 500.8302