The bill introduces a new section to chapter 48.18 RCW, which prohibits insurers licensed to write residential insurance policies in Washington from denying applications, canceling, refusing to renew, or modifying existing policies based solely on the ownership of a specific breed or mixture of dog breeds by the applicant or insured. This provision aims to protect homeowners and renters from discrimination related to their pets when seeking residential insurance coverage.

However, the bill allows insurers to take action based on sound underwriting and actuarial principles if a dog is known to be dangerous or has been declared dangerous under existing laws. Additionally, insurers are prohibited from inquiring about the specific breed or mixture of breeds of dogs owned by applicants. The definition of "residential insurance policy" is clarified to encompass various types of home insurance, excluding commercial insurance.