State of Connecticut
As of October 1, 2005, an insurer can not refuse to write or re-new a homeowners, renters or liability policy based on the breed of dog you own.
AN ACT CONCERNING HOMEOWNERS AND TENANTS INSURANCE UNDERWRITING BASED ON BREED OF DOG.
Be it enacted by the Senate and House of Representatives in General Assembly convened:
Section 1. (NEW) (Effective October 1, 2005) (a) Except as provided in subsection (b) of this section, with respect to a policy for personal risk insurance, as defined in section 38a-663 of the general statutes, delivered, issued for delivery, renewed, amended or continued in this state on or after October 1, 2005, no insurer may use the breed of dog owned by the insured as a basis for (1) establishing rates or minimum premiums under the policy, or (2) cancelling, refusing to renew or refusing to issue such policy.
(b) An insurer may establish rates or minimum premiums under such policy or cancel, refuse to renew or refuse to issue such policy on the basis of [i](1) the insurer's evaluation of the risk presented by the specific dog owned by the insured,
[i/]or (2) claims history with respect to the specific dog owned by the insured. Such claims history shall be limited to claims paid because the dog has bitten or attacked a person or animal during the three-year period immediately preceding the renewal or issue date of the policy.
However, the italicized and highlighted section above does leave a loop hole for insurance agents to refuse to write a policy. There was an interesting discussion on an insurance forum about how to refuse a risk with-in the parameters of the law.
Link to CT House Bill #: 2654 http://www.cga.ct.gov/2005/fc/2005HB-06543-R000253-FC.htm
This is a link to the INS Committee Hearing Transcript for 02/22/2005 in which they discuss dog bite statistics and the amount insurance companies pay out annually for bite claims. It's an interesting read if you wade through the BS. http://www.cga.ct.gov/2005/INSdata/chr/2005INS00222-R000930-CHR.htm
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