HI HB2011

Prohibits insurance companies from denying, canceling, refusing to renew, restricting, or charging higher rates for commercial general liability, homeowners, renters, or dwelling fire insurance policies based on the breed or appearance of any dog kept on the insured premises

Creates an exception allowing insurers to take adverse action if a specific dog has been officially declared vicious or dangerous by a county law enforcement agency

Addresses housing barriers for pet owners, citing an Oahu survey finding that 30% of respondents surrendered a pet in the past five years, with lack of pet-friendly housing as the top reason

Amends Hawaii Revised Statutes Chapter 431 by adding new provisions to articles 10 and 10E regarding insurance regulations

Takes effect upon approval and applies to all covered insurance policies offered, delivered, issued, or renewed after the effective date