26.1-39-17. Prohibited reasons for declination or termination of property and casualty policies

26.1-39-17. Prohibited reasons for declination or termination of property and casualty policies. The declination or termination of a property insurance policy subject to sections 26.1-39-10 through 26.1-39-21 by an insurer or insurance producer is prohibited if the declination or termination is based upon any of the following reasons: 1. The race, religion, nationality, ethnic group, age, sex, or marital status of the applicant or named insured. 2. The lawful occupation or profession of the applicant or named insured, except that this provision does not apply to an insurer that limits its market to one lawful occupation or profession or to several related lawful occupations or professions. 3. The age or location of the residence of the applicant or named insured unless the decision is for a business purpose that is not a mere pretext for unfair discrimination. 4. The fact that another insurer previously declined to insure the applicant or terminated an existing policy in which the applicant was the named insured. 5. The fact that the applicant or named insured previously obtained insurance coverage through a residual market insurance mechanism.