Nevada: Put a Stop to Breed-Specific Insurance Discrimination

NV S.B. 103—Prohibits Breed Discrimination by Insurers

ASPCA Position: Support

Sponsor: Senator Melanie Scheible

Update—June 3, 2021: Great news, Nevada! Governor Sisolak has signed Nevada Senate Bill 103 into law—this groundbreaking legislation will remove housing barriers for Nevadans with pets by prohibiting insurance companies from denying coverage based on the breed of a family’s dog. We thank our advocates in Nevada for helping to score this win!

At a time of unprecedented housing challenges, the cost and availability of property insurance is an unnecessary barrier to housing for responsible Nevada dog owners.

This is because it is legal for property-insurance providers in Nevada to significantly increase costs or even deny property insurance coverage altogether for customers with specific breeds of dogs in their homes. But there is no sound evidence to support this policy. Insurance claim data does not validate the idea that certain breeds of dogs are a bigger risk as compared to non-restricted breeds.

What’s more, this practice by insurance companies runs counter to Nevada state law, which prohibits dogs from being regulated by their breed.

Advocacy Alert

Your Message

Subject Please Sign S.B. 103 to End Breed-Specific Discrimination

Dear Governor Sisolak,

Message

As a Nevadan concerned about how housing instability affects the state’s residents, I am writing to ask you to please sign Senate Bill 103 into law.

S.B. 103 would improve protections for over a third of the state’s residents by prohibiting insurance companies from denying property insurance coverage based on the breed of a family’s dog. We believe that all dogs are valued individuals and should be treated accordingly, and we hope that you agree.

S.B. 103 allows insurance companies to evaluate each dog independently based upon their temperament and behavior regardless of breed, which is consistent with an existing state law (NRS 202.500) that prohibits breed discrimination by state or local public bodies.

This bill would remove housing barriers for thousands of responsible Nevadan dog guardians.

Thank you for your time and consideration.

Sincerely,

[First Name] [Last Name]
[Your Address]

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