Bill > SB103

Introduced Session

Legislative Counsel's Digest: This bill prohibits an insurer from refusing to issue, cancelling, refusing to 1 renew or increasing the premium or rate for certain policies of insurance on the sole 2 basis of the specific breed or mixture of breeds of a dog that is harbored or owned 3 on an applicable property unless the particular dog is known to be dangerous or 4 vicious or declared to be dangerous or vicious pursuant to the public health laws of 5 this State. 6 SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS: Section 1. Chapter 687B of NRS is hereby amended by adding 1 thereto a new section to read as follows: 2 1. Except as otherwise provided in subsection 2, an insurer 3 shall not: 4 (a) Refuse to issue; 5 (b) Cancel; 6 (c) Refuse to renew; or 7 (d) Increase a premium or rate for, 8 a policy of insurance based solely on the specific breed or 1 mixture of breeds of a dog that is harbored or owned on an 2 applicable property. 3 2. The provisions of subsection 1 do not prohibit an insurer 4 from: 5 (a) Refusing to issue; 6 (b) Cancelling; 7 (c) Refusing to renew; or 8 (d) Imposing a reasonable increase to a premium or rate for, 9 a policy of insurance based on sound underwriting and 10 actuarial principles on the basis that a particular dog which is 11 harbored or owned on an applicable property is known to be 12 dangerous or vicious or has been declared to be dangerous or 13 vicious in accordance with NRS 202.500. 14 3. An insurer may not ask or inquire about the specific breed 15 or mixture of breeds of a dog which is harbored or owned on an 16 applicable property except to ask if the dog is known to be 17 dangerous or vicious or has been declared to be dangerous or 18 vicious in accordance with NRS 202.500. 19 4. As used in this section, policy of insurance means: 20 (a) A policy of homeowner s insurance; 21 (b) A policy of renter s insurance; 22 (c) A policy of insurance which covers a manufactured home 23 or a mobile home; and 24 (d) An umbrella policy as defined in NRS 687B.440. 25 Sec. 2. This act becomes effective on January 1, 2022. 26

AI Summary

Committee Categories

Fabian Donate (D)*,  Roberta Lange (D)*,  Julia Ratti (D)*,  Melanie Scheible (D)*,  Mo Denis (D),  Dallas Harris (D),  James Ohrenschall (D), 

Approved by the Governor. Chapter 282. (on 06/02/2021)

Official Document