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2004 SESSION

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HB 1007 Homeowners insurance; exclusion of coverage for an insured's dangerous or vicious animal.

Introduced by: Thomas Davis Rust | all patrons    ...    notes | add to my profiles | history

SUMMARY AS PASSED HOUSE:

Homeowners insurance; exclusions for dangerous or vicious animals. Authorizes the issuer of a homeowner's policy, with the insured's written consent, to exclude from coverage any liability resulting from an injury caused by a dangerous or vicious animal owned by or in the care, custody, or control of the insured if such animal has bitten, attacked, or inflicted injury on a person or companion animal. This bill incorporates HB 1332.

SUMMARY AS INTRODUCED:

Homeowners insurance; exclusions for attractive nuisances and dangerous or vicious animals. Authorizes an insurer that issues or delivers a new or renewal policy written to insure an owner-occupied dwelling, with the insured's written consent, to exclude from coverage (i) any liability resulting from an injury caused by a dangerous or vicious animal owned by or in the care, custody, or control of the insured if such animal has bitten, attacked, or inflicted injury on a person or companion animal or (ii) any portion of the risk that may be reasonably classified by the insurer as an inherently hazardous object or condition of the property. The risk must be specifically identified in the exclusion. Exclusions signed by insureds substantiating the reasons for the exclusions must be made available to the State Corporation Commission upon request. The bill also prohibits insurers from refusing to issue or refusing to renew a policy solely on the basis that the insured's or prospective insured's dog is one of a particular breed. Nothing shall prohibit an insurer from refusing to issue or refusing to renew such a policy if the insured's or prospective insured's dog has bitten, attacked, or inflicted injury on a person or companion animal.