First Regular Session
Seventy-fifth General Assembly
STATE OF COLORADO
ENGROSSED
This Version Includes All Amendments Adopted
on Second Reading in the House of Introduction
LLS NO. 25-0387.01 Jery Payne x2157
HOUSE BILL 25-1207
House Committees Senate Committees
Transportation, Housing & Local Government
A BILL FOR AN ACT
C
ONCERNING MEASURES TO ADDRESS B ARRIERS TO PET OWNERSHIP IN101
CONNECTION WITH RESIDING IN A RESIDENTIAL STRUCTURE .102
Bill Summary
(Note: This summary applies to this bill as introduced and does
not reflect any amendments that may be subsequently adopted. If this bill
passes third reading in the house of introduction, a bill summary that
applies to the reengrossed version of this bill will be available at
http://leg.colorado.gov
.)
Current law prohibits an insurer from refusing to insure or
increasing a premium for a homeowners insurance policy or a dwelling
fire insurance policy based on the breed or mixture of breeds of a dog that
is kept at a dwelling unless the dog is known to be dangerous or has been
declared to be dangerous. Section 1 of the bill defines the term
"homeowners insurance" to clarify that this provision applies to all
HOUSE
Amended 2nd Reading
March 31, 2025
HOUSE SPONSORSHIP
Mabrey and Duran,
SENATE SPONSORSHIP
Winter F. and Exum,
Shading denotes HOUSE amendment. Double underlining denotes SENATE amendment.
Capital letters or bold & italic numbers indicate new material to be added to existing law.
Dashes through the words or numbers indicate deletions from existing law. residential structures used for a residence and occupied by an owner or
renter.
The "Colorado Housing Act of 1970" provides financing for
building or rehabilitating affordable housing. Section 2 requires each
housing development that receives financing to authorize tenants of the
affordable housing to own or keep one or more pet animals, subject to
reasonable conditions.
Current law authorizes a tax credit for affordable housing. Section
3 requires the person claiming the tax credit to allow tenants to own or
keep one or more pet animals at the unit that the tenant resides in, subject
to reasonable conditions.
Be it enacted by the General Assembly of the State of Colorado:1
SECTION 1. In Colorado Revised Statutes, 10-4-110.8, amend2
(16)(a) and (16)(b) as follows:3
10-4-110.8. Homeowners insurance - prohibited and required4
practices - estimates of replacement value - additional living expense5
coverage - copies of policies - personal property contents coverage -6
inventory of personal property - requirements concerning total loss7
scenarios resulting from wildlife disasters - definitions - rules.8
(16) (a) An insurer shall not refuse to issue, cancel, refuse to renew, or9
increase a premium or rate for a homeowner's HOMEOWNERS insurance10
policy, or a dwelling fire insurance policy, A COMMERCIAL POLICY FOR11
MULTIFAMILY UNITS, OR A POLICY TO COVER THE CONTENTS OF A12
STRUCTURE USED FOR A RESIDENCE AND OCCUPIED BY AN OWNER OR13
RENTER based on the breed or mixture of breeds of a dog that is kept at14
the dwelling, MULTIFAMILY UNIT, OR STRUCTURE USED AS A RESIDENCE.15
(b) This subsection (16) does not prohibit an insurer from refusing16
to issue, cancelling CANCELING, refusing to renew, or imposing a17
reasonable increase to a premium or rate for a homeowner's18
HOMEOWNERS insurance policy, or a dwelling fire insurance policy, A19
1207-2- COMMERCIAL POLICY FOR MULTIFAMILY UNITS, OR A POLICY TO COVER1
THE CONTENTS OF A STRUCTURE USED FOR A RESIDENCE AND OCCUPIED BY2
AN OWNER OR RENTER based on sound underwriting and actuarial3
principles on the basis that a particular dog kept at the dwelling,4
MULTIFAMILY UNIT, OR STRUCTURE USED AS A RESIDENCE is known to be5
dangerous or has been declared to be dangerous in accordance with6
section 18-9-204.5.7
SECTION 2. In Colorado Revised Statutes, add 24-32-735 as8
follows:9
24-32-735. Pet-inclusive publicly financed housing - definitions10
- rules. (1) A
S USED IN THIS SECTION, UNLESS THE CONTEXT OTHERWISE11
REQUIRES:12
(a) "L
ANDLORD" HAS THE MEANING SET FORTH IN SECTION13
38-12-502
(5).14
(b) "P
ET ANIMAL" MEANS A
DOG OR CAT THAT IS COMMONLY KEPT15
IN THE HOME FOR COMPANIONSHIP RATHER THAN FOR COMMERCIAL16
PURPOSES.17
(c) (I) "R
EASONABLE CONDITIONS" MAY INCLUDE:18
(A) P
ROHIBITIONS ON OWNERSHIP OF A DANGEROUS DOG IN19
VIOLATION OF SECTION 18-9-204.5;20
(B) P
OLICIES ON NUISANCE BEHAVIORS;21
(C) L
EASHING
REQUIREMENTS AND WASTE REMOVAL ;22
(D) R
EQUIREMENTS THAT A TENANT HAVE LIABILITY INSURANCE ;23 24
(E) L
IMITATIONS
ON HAVING MORE THAN TWO PET ANIMALS OR ON25
THE NUMBER OF PET ANIMALS PERMITTED IN A SINGLE UNIT DETERMINED26
BY THE SIZE OF THE UNIT; OR27
1207
-3- (F) REQUIREMENTS FOR PET SECURITY DEPOSITS AND PET RENT,1
SUBJECT TO SECTION 38-12-106.2
(II) "R
EASONABLE CONDITIONS" DOES NOT
INCLUDE:3
(A) A PROHIBITION ON HAVING UP TO TWO PET ANIMALS ; OR4
(B) PROHIBITIONS ON PET ANIMAL BREEDS OR WEIGHT5
RESTRICTIONS OF A PET ANIMAL.6
(2) T
HE DIVISION SHALL REQUIRE EACH HOUSING DEVELOPMENT7
THAT RECEIVES FINANCING
FROM THE DIVISION ON OR AFTER JANUARY 1,8
2026,
PURSUANT TO THIS ARTICLE 32, TO AUTHORIZE TENANTS OF THE9
AFFORDABLE HOUSING TO OWN OR KEEP
UP TO TWO PET ANIMALS, SUBJECT10
TO REASONABLE CONDITIONS AND APPLICABLE STATE AND LOCAL LAWS11
GOVERNING PUBLIC HEALTH , ANIMAL CONTROL , AND ANIMAL12
ANTI-CRUELTY, AND THE REASONABLE AND APPLICABLE RULES ADOPTED13
BY THE DIVISION OR THE DEPARTMENT OF LOCAL AFFAIRS .14
(3) T
HIS SECTION DOES NOT LIMIT OR AFFECT OTHER LAWS THAT15
REQUIRE REASONABLE ACCOMMODATIONS TO BE MADE FOR AN16
INDIVIDUAL WITH A DISABILITY WHO MAINTAINS AN ANIMAL TO PROVIDE17
ASSISTANCE, SERVICE, OR SUPPORT.18 19
SECTION 3. Act subject to petition - effective date -20
applicability. (1) This act takes effect at 12:01 a.m. on the day following21
the expiration of the ninety-day period after final adjournment of the22
general assembly; except that, if a referendum petition is filed pursuant23
to section 1 (3) of article V of the state constitution against this act or an24
item, section, or part of this act within such period, then the act, item,25
section, or part will not take effect unless approved by the people at the26
general election to be held in November 2026 and, in such case, will take27
1207
-4- effect on the date of the official declaration of the vote thereon by the1
governor.2
(2) Section 1 of this act applies to insurance policies issued or3
renewed on or after the applicable effective date of this act.4
1207
-5-