Rottweiler dog. Credit: ???? ???????/Adobe Stock Many insurers at one point had lists of dogs they did not want to provide coverage for; these lists often included Chow Chows, Doberman Pinschers, German Shepherds, and other large dogs that can seriously injure someone if the dog attacks. (Credit: Даша Швецова/Adobe Stock)

Dogs have long been a concern in homeowners insurance, as evidenced by the number of statutes concerning dog liability, leash laws, and various state restrictions concerning insurers banning certain breeds and other canine-based underwriting criteria. Arizona is the latest state to address the issue, with new law A.R.S. §20-1510 becoming effective June 30, 2023.

The law makes it clear that an insurer may not discriminate against an insured because of the breed of a dog an insured owns, and that the breed of an insured’s dog may not be the sole reason for any underwriting action.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?


© 2023 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2023 ALM Global, LLC. All Rights Reserved.