Breed & insurance laws, state by state
Where cities can (and can't) ban breeds, whether insurers can judge your dog by breed, and what it means when you're apartment-hunting. Written for renters, reviewed quarterly.
State law stops cities and counties from regulating dogs by breed. Any restriction you meet comes from the property, not the law.
No statewide rule — a small number of towns or counties may keep breed ordinances. We flag the big cities we cover.
Insurers can't refuse, cancel or raise your renters policy based only on breed — which makes landlords more comfortable.
Arizona
Reviewed October 2026Since 2016 (SB 1248), Arizona cities, towns and counties may regulate dogs only if the rule is not specific to any breed (A.R.S. §9-499.04 and §11-1005).
Under A.R.S. §20-1510 (effective June 30, 2023), a dog’s breed may not be the sole factor in underwriting or pricing homeowners and renters policies.
Colorado
Reviewed October 2026Colorado has limited breed-specific regulation since 2004 (C.R.S. §18-9-204.5). Denver voters repealed the city’s pit bull ban in 2020 and Aurora followed in 2021 — no major Colorado city bans breeds today.
HB 23-1068 (2023) bars insurers from refusing, cancelling or raising rates on a policy because of breed; HB 25-1207 (2025) extended that protection to renters and multifamily policies.
Florida
Reviewed October 2026Since October 1, 2023 (SB 942), Florida local governments and public housing authorities can no longer regulate dogs by breed, size or weight. Miami-Dade’s long-standing pit bull ban is no longer enforceable.
Florida has no statute limiting breed-based insurance decisions. Shop breed-neutral carriers for renters and liability coverage.
Georgia
Reviewed October 2026Georgia has no statewide limit on breed-specific ordinances, and a handful of smaller jurisdictions keep breed rules. The City of Atlanta has no breed ban.
No Georgia law restricts breed-based insurance underwriting. Ask carriers directly or choose a breed-neutral insurer.
Nevada
Reviewed October 2026Since 2013 (AB 110), a dog in Nevada can’t be declared dangerous or vicious based solely on breed — and local ordinances can’t do so either.
SB 103 (effective Jan 1, 2022) prohibits insurers from refusing, cancelling, non-renewing or raising rates on homeowners, renters, mobile-home and umbrella policies based solely on breed.
North Carolina
Reviewed October 2026North Carolina has no statewide preemption; a few towns and counties maintain breed-specific ordinances. Charlotte and Raleigh regulate dogs by behavior, not breed.
No North Carolina law restricts breed-based underwriting. Compare breed-neutral renters insurers.
Tennessee
Reviewed October 2026Tennessee has no statewide preemption; several smaller towns keep breed-specific ordinances. Metro Nashville has no breed ban.
No Tennessee statute restricts breed-based insurance decisions.
Texas
Reviewed October 2026Texas Health & Safety Code §822.047 lets cities and counties regulate dangerous dogs — but never by breed. No Texas city can ban or restrict a breed.
Texas has no law stopping insurers from considering breed. Several national carriers write breed-neutral renters policies — compare before you apply.
Now find a community that already says yes
Every listing on NuvaPaws accepts all breeds — confirmed in writing and dated.