Is it legal for an insurance company to refuse to provide insurance to someone with a service animal because of the dog’s breed?

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Is it legal for an insurance company to refuse to provide insurance to someone with a service animal because of the dog’s breed?

I have a staffordshire terrier and the insurance company me and my fianc use for renters’

insurance is refusing to cover us because they

Asked on November 15, 2016 under Insurance Law, Washington

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

Unfortunately, the laws prohibiting housing and employment discrimination do not apply to this situation; nor do the rules against discrimination in places of public accommodation (such as stores, restaurants, etc.). The legal rules against discrimination against the disabled and/or requiring accommodations for those with disability do not apply to this context, so they can in fact deny you insurance for this reason.


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