Connecticut bans homeowners insurance discrimination based on service dog breed

Connecticut's Senate Bill 1386 is making waves as it seeks to ban discrimination against dog owners in homeowners and tenants insurance policies. Introduced on February 25, 2025, the bill prohibits insurers from setting rates or canceling policies based on the breed of dog owned by the insured, particularly for those with service animals aiding individuals with disabilities.

The bill's key provisions come into effect on July 1, 2025, ensuring that no insurer can refuse to issue or renew a policy solely due to the breed of a dog, provided the animal is trained or in training as a service animal. This move addresses a growing concern among pet owners who face increased premiums or policy cancellations due to breed-specific legislation, which critics argue is both unfair and discriminatory.

Notably, the bill also tasks the Commission on Human Rights and Opportunities with evaluating the potential for penalties against individuals who misrepresent their dogs as service animals. This aspect of the legislation aims to uphold the integrity of service animal designations under the Americans with Disabilities Act, with a report due by February 1, 2026.

While the bill has garnered support from animal rights advocates and disability rights groups, it has not been without controversy. Opponents argue that it may complicate insurance underwriting processes and could lead to increased risks for insurers. However, supporters maintain that the legislation is a necessary step toward ensuring equal treatment for all dog owners and protecting the rights of those who rely on service animals.

As the bill progresses, its implications could reshape the landscape of pet ownership and insurance practices in Connecticut, potentially setting a precedent for similar legislation in other states. With the effective date approaching, stakeholders are closely monitoring the developments surrounding Senate Bill 1386 and its impact on both the insurance industry and the rights of pet owners.