Tennessee House Bill HB0991

Tennessee 2023-2024 Regular Session

• Introduced: 1/30/23
• Refer: 2/2/23

Caption

AN ACT to amend Tennessee Code Annotated, Title 56, relative to insurance.

Impact

If enacted, HB0991 would significantly alter how insurers assess risk in relation to dog ownership. While it aims to promote fairness in insurance practices, particularly for dog owners whose pets may not be inherently dangerous, it still provides an exception where insurers can act based on sound underwriting principles for dogs that are classified as potentially vicious. This change encourages a more inclusive standard for insurance coverage related to pet ownership, ensuring that individuals are not unfairly penalized due to the breed of their dog.

Summary

House Bill 0991 aims to amend the Tennessee Code Annotated, specifically addressing insurance policies regarding dog ownership. The bill prohibits insurers from refusing to issue, terminate, or not renew homeowner's and renter's insurance policies based solely on a dog's breed or breed mixture. Additionally, it prevents insurers from increasing premiums based on these criteria. This legislation seeks to eliminate discriminatory practices in insurance underwriting related to certain dog breeds that may be considered potentially dangerous.

Contention

Notable points of contention surrounding HB0991 may arise from the balance between protecting consumers and allowing insurers to manage their risk. Advocates for the bill argue that it is essential for ensuring equitable treatment of dog owners, while opponents may raise concerns regarding the perceived risks insurers face by including certain breeds. The discussion may include arguments about public safety and the responsibilities of pet owners, and how these factors influence the underwriting process in the insurance industry.