Introduced by Senator Dunne of Windsor District, Senator Campbell of Windsor District, Senator Cummings of Washington District, Senator Sears of Bennington District and Senator Snelling of Chittenden District
Subject: Insurance; homeowners; damage by dogs
Statement of purpose: This bill proposes to create different tiers of homeowners insurance depending on the likelihood of damage by a domestic animal.
AN ACT RELATING TO HOMEOWNERS INSURANCE AND DOMESTIC ANIMALS
It is hereby enacted by the General Assembly of the State of Vermont:
Sec. 1. 8 V.S.A. § 4724(7) is amended to read:
§ 4724. UNFAIR METHODS OF COMPETITION OR UNFAIR OR
DECEPTIVE ACTS OR PRACTICES DEFINED
The following are hereby defined as unfair methods of competition or unfair or deceptive acts or practices in the business of insurance:
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(7) Unfair discrimination; arbitrary underwriting action.
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(F) Discriminating against homeowners in regard to homeowners insurance based solely on the presence of one or more domestic dogs, unless the insurer offers rates that reflect the risk factor based on consideration of the breed and that breed’s general propensity to cause harm, the levels of training of the domestic dogs, and history of damage and destruction by the dog or dogs.
The Vermont General Assembly
115 State Street