2026 House Bill 5580

Insurance: insurers; property insurance denial, cancellation, or increased premiums for owners of certain breeds of dogs; prohibit.

A bill to amend 1956 PA 218, entitled “The insurance code of 1956,” (MCL 500.100 to 500.8302) by adding section 2130a.

Official record

AI Analysis – Experimental

House Bill No. 5580 prohibits insurers from using dog breed information to make decisions about residential property liability insurance in Michigan, effective January 1, 2027, while allowing risk assessment based on other actuarial principles.

Introduced in the House

Feb. 24, 2026

Introduced by Rep. Penelope Tsernoglou (D-75) and 19 co-sponsors

Co-sponsored by Reps. Kara Hope (D-74), Jennifer Conlin (D-48), Veronica Paiz (D-10), Jimmie Wilson (D-32), Kimberly Edwards (D-12), Jasper Martus (D-69), Tonya Myers Phillips (D-7), Emily Dievendorf (D-77), Sharon MacDonell (D-56), Stephanie Young (D-16), Matt Koleszar (D-22), Mike McFall (D-14), Matt Longjohn (D-40), Brenda Carter (D-53), Julie Brixie (D-73), Kelly Breen (D-21), Dylan Wegela (D-26), Helena Scott (D-8) and Stephen Wooden (D-81)

Referred to the Committee on Insurance