A.R.S. § 20-1510 states that “the breed of a dog may not be the sole factor considered or used for … [u]nderwriting or actuarial processes for determining risk, liability or actual or potential losses related to claims involving dogs under a policy of insurance.”  Insurers may not use the breed of a dog to make an underwriting decision about what coverage will or will not be included in the policy.  In addition, an insurer’s base rates and/or rating factors may not be developed based on whether the policy includes or excludes coverage for particular breeds of dogs.  However, an insurer may exclude coverage for liabilities arising from possession of any dog, or for reasons not associated with the breed of the dog, such as a history of viciousness or aggression.