Arizona, Dog Breeds, and Homeowner Policies
Dogs have long been a concern in homeowners insurance, as evidenced by the number of statutes concerning dog liability, leash laws, and various state restrictions concerning insurers banning certain breeds and other canine-based underwriting criteria. Arizona is the latest state to address the issue, with new law A.R.S. §20-1510 becoming effective June 30, 2023.
The law makes it clear that an insurer may not discriminate against an insured because of the breed of a dog an insured owns, and that the breed of an insured's dog may not be the sole reason for any underwriting action.
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Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.