Bill Text: IL HB1049 | 2023-2024 | 103rd General Assembly | Chaptered

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Bill Title: Amends the Illinois Insurance Code. Provides that with respect to homeowner's insurance policies and renter's insurance policies issued, renewed, modified, altered, or amended on or after the effective date of the amendatory Act, no insurer shall refuse to issue or renew, cancel, charge or impose an increased premium or rate for a policy or contract, or exclude, limit, restrict, or reduce coverage under a policy or contract based solely upon harboring or owning any dog of a specific breed or mixture of breeds. Provides that an insurer may cancel or refuse to issue or renew any homeowner's or renter's insurance policy or impose a reasonably increased premium for such policy based on the determination of an individual dog as a dangerous or vicious dog under the Animal Control Act. Repeals provisions concerning claim information for a dog-related incident. Effective immediately, except that specified provisions take effect 6 months after becoming law.

Spectrum: Strong Partisan Bill (Democrat 13-1)

Status: (Passed) 2023-06-09 - Public Act . . . . . . . . . 103-0011 [HB1049 Detail]

Download: Illinois-2023-HB1049-Chaptered.html

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Public Act 103-0011
HB1049 Enrolled LRB103 04655 BMS 49946 b
AN ACT concerning regulation.
Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
Section 5. The Illinois Insurance Code is amended by
adding Section 143.10e as follows:
(215 ILCS 5/143.10e new)
Sec. 143.10e. Home property insurance; dog breeds.
(a) With respect to homeowner's insurance policies and
renter's insurance policies issued, renewed, modified,
altered, or amended on or after the effective date of this
amendatory Act of the 103rd General Assembly, no insurer shall
refuse to issue or renew, cancel, charge or impose an
increased premium or rate for a policy or contract, or
exclude, limit, restrict, or reduce coverage under a policy or
contract based solely upon harboring or owning any dog of a
specific breed or mixture of breeds.
(b) Notwithstanding the provisions of subsection (a), an
insurer may cancel or refuse to issue or renew any homeowner's
or renter's insurance policy or impose a reasonably increased
premium for such policy based on the determination of an
individual dog as a dangerous or vicious dog under the Animal
Control Act, as determined by underwriting and actuarial
principles reasonably derived from actual loss experience of

such insurer with that individual dog and any anticipated loss
given such loss exposure.
(215 ILCS 5/143.10d rep.)
Section 10. The Illinois Insurance Code is amended by
repealing Section 143.10d.
Section 99. Effective date. This Act takes effect upon
becoming law, except that the changes to Section 143.10e of
the Illinois Insurance Code take effect 6 months after
becoming law.