Prohibits insurers issuing policies insuring personal injury and property damage arising out of a lease, from cancelling or refusing to issue or renew such a policy, or charging increased premiums based upon the harboring of a specific breed of dog on the premises.
STATE OF NEW YORK
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4163
2023-2024 Regular Sessions
IN SENATE
February 3, 2023
___________
Introduced by Sen. HOYLMAN-SIGAL -- read twice and ordered printed, and
when printed to be committed to the Committee on Insurance
AN ACT to amend the insurance law, in relation to prohibiting insurers
from cancelling, refusing to issue or renew renters' insurance based
on the breed of dog owned
The People of the State of New York, represented in Senate and Assem-bly, do enact as follows:
1 Section 1. The section heading and subsection 1 of section 3421 of the
2 insurance law, the section heading as added by chapter 545 of the laws
3 of 2021 and subsection 1 as amended by chapter 679 of the laws of 2022,
4 are amended to read as follows:
5 Homeowners' liability insurance and renters' insurance; dogs. 1. With
6 respect to homeowners' insurance policies as defined in section two
7 thousand three hundred fifty-one of this chapter, and every policy or
8 contract insuring against liability for injury to any person, or injury
9 to or destruction of property arising out of a lease of residential one,
10 two, three or four dwelling real property, including renters' insurance,
11 no insurer shall refuse to issue or renew, cancel, or charge or impose
12 an increased premium or rate for such policy or contract, or exclude,
13 limit, restrict, or reduce coverage under such policy or contract based
14 solely upon harboring or owning any dog of a specific breed or mixture
15 of breeds.
16 § 2. This act shall take effect on the ninetieth day after it shall
17 have become a law and shall apply to all policies issued, renewed, modi-
18 fied, altered or amended on or after such effective date; provided,
19 however, that if chapter 679 of the laws of 2022 shall not have taken
20 effect on or before such date, then section one of this act shall take
21 effect on the same date and in the same manner as such chapter of the
22 laws of 2022 takes effect and shall apply to all policies issued,
23 renewed, modified, altered or amended on or after such effective date.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD04228-01-3
