HF 3149

as introduced - 92nd Legislature (2021 - 2022) Posted on 02/03/2022 03:31pm

A bill for an act
relating to insurance; prohibiting insurers from discriminating based on the breed
of dog owned; proposing coding for new law in Minnesota Statutes, chapter 65A.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

new text begin [65A.303] HOMEOWNER'S LIABILITY INSURANCE; DOGS.
new text end

new text begin Subdivision 1. new text end

new text begin Discrimination prohibited. new text end

new text begin An insurer writing homeowner's insurance
for property is prohibited from (1) refusing to issue or renew an insurance policy or contract,
(2) canceling an insurance policy or contract, or (3) charging or imposing an increased
premium or rate for an insurance policy or contract, based solely on the fact that the
homeowner harbors or owns a dog of a specific breed or mixture of breeds.
new text end

new text begin Subd. 2. new text end

new text begin Exception. new text end

new text begin Subdivision 1 does not prohibit an insurer from (1) refusing to issue
or renew an insurance policy or contract, (2) canceling an insurance contract or policy, or
(3) imposing a reasonably increased premium or rate for an insurance policy or contract,
based on a dog being designated as a dangerous dog or potentially dangerous dog under
section 347.50, or based on sound underwriting and actuarial principles that are reasonably
related to actual or anticipated loss experience.
new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective August 1, 2022, and applies to insurance
policies and contracts offered, issued, or sold on or after that date.
new text end