"NEW SECTION.  Sec. 3   A new section is added to chapter 48.18 RCW to read as follows:
     An insurer licensed to write liability insurance, such as homeowner's insurance, in this state may not deny an application for a homeowner's insurance policy, or cancel, refuse to renew, or modify an existing homeowner's insurance policy, on the basis that the applicant or insured owns or harbors a specific breed of dog on the real property, unless the dog is a dangerous dog as defined in RCW 16.08.070. An insurer may require that the insured provide:
     (1) Written certification from the insured that the dog provides little risk based on the dog's nature and history; and
     (2) Written certification that the dog provides little risk based on the dog's nature and history in the form of:
     (a) A written statement from a licensed veterinarian who may be familiar with the dog in question; or
     (b) A written statement from a licensed dog trainer from a canine obedience school; or
     (c) A canine good citizen certificate from the American kennel club.
     Nothing in this section shall be construed so as to restrict the ability of any insurer to charge different premiums for liability coverage under homeowner's insurance policies for different applicants or insureds based upon the fact that such applicants or insureds own or harbor different breeds of dogs if such different premiums are reasonably and substantially related to articulable, actual, and quantifiable risks or losses."