New York prohibits insurers from refusing to issue or renew homeowners policies based on breed of dog owned.

New York prohibits insurers from refusing to issue or renew, cancelling, or charging or imposing increased premium for homeowners policies based on breed of dog owned.

 

On October 30, 2021, New York Senate Bill S4254 was signed into law. The Bill adds Section 3421 to the New York Insurance Law and prohibits homeowners liability insurers from refusing to issue or renew, cancel, or charge or impose an increased premium or rate based solely upon the insured’s ownership or possession of a specific dog breed, or mixture of breeds. This new prohibition does not apply to breeds or breed mixtures that have been designated as dangerous pursuant to New York Agriculture and Markets Law, Section 123. The law also does not prohibit policy language (e.g. exclusions) related to dog ownership and breed. Accordingly, the law does not require revisions to AAIS forms and endorsements. Section 3421 is effective January 28, 2022. A link to the bill is provided below:

 

Link to Bill: https://www.nysenate.gov/legislation/bills/2021/s4254