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Connecticut lawmakers are proposing a
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groundbreaking bill that could reshape
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how insurance companies treat homeowners
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and renters with dogs this legislation
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aims to eliminate discrimination based
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on dog breeds and insurance policies
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sparking a heated debate about fairness
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safety and risk assessment the proposed
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Bill introduced by Republican
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representative Tammy nucho would
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prohibit Insurance Company from
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penalizing policy holders or altering
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premium solely because of the breed of
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dog on their property it also extends
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protections to service animals and
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training offering a broader scope of
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fairness for dog owners across the state
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under this new law homeowners and
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renters would not face higher premiums
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policy cancellations or coverage denial
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based solely on their pets
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breed however there is an exception for
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cases where a specific dog has been
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designated as dangerous
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insurers would still be allowed to
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impose higher premiums for dogs with
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verifiable damage or incidents tied to
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them ensuring a case-by casee risk
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assessment without relying on breed
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stereotypes currently Connecticut is one
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of just eight states without a dangerous
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dog law dog owners in the state are held
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strictly liable for any bites or damages
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caused by their pets regardless of
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negligence This legal framework creates
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challenges for both dog owners and
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insurers strict liability means insurers
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cannot argue in court that a dog owner
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was negligent as they are automatically
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damages Connecticut's approach differs
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from that of other states like Florida
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where lawmakers are considering
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legislation that defines dangerous dogs
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based on documented behavior and
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incidents rather than breed the Florida
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bill would require owners of dogs deemed
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dangerous to carry at least $100,000 in
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liability insurance if Connecticut's
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bill passed it could be a GameChanger
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for many pet owners particularly those
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with breeds often facing unfair scrutiny
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insurers families May no longer have to
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choose between keeping their pet and
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maintaining affordable housing
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Insurance however insurers argue that
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removing the ability to consider breed
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as a risk factor might increase costs
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for other policy holders for dog owners
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this legislation creates an opportunity
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to focus on their pets behavior and
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training rather than worrying about
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breed related stigma but it also opens
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the door for added responsibilities as
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owners of dogs deemed dangerous after an
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incident might still face higher
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Insurance costs this proposed
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legislation matters because it could
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have a lasting impact on how insurers
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assess risk what dog owners are
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responsible for and how communities
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perceive different breeds thank you for
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tuning into our insurance news updates
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we appreciate your support don't forget
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to hit subscribe so you never miss out
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we'd love to hear your thoughts on dog
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liability should insurance companies
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adjust rates or coverage based on breed
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or personality make sure to share your
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opinion in the comments below
