STATE OF NEW YORK
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9207
IN SENATE
February 13, 2026
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Introduced by Sens. GIANARIS, COONEY, MURRAY, SKOUFIS, WEBB -- 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 certain
restrictions as it relates to dog breed
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
2 the insurance law, the section heading as added by chapter 545 of the
3 laws of 2021 and subsection 1 as amended by chapter 679 of the laws of
4 2022, 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 renters' insurance
8 policies as defined in section three thousand four hundred fifty-four of
9 this article, no insurer shall refuse to issue or renew, cancel, or
10 charge or impose an increased premium or rate for such policy or
11 contract, or exclude, limit, restrict, or reduce coverage under such
12 policy or contract based [solely] upon harboring or owning any dog of a
13 specific breed or mixture of breeds.
14 § 2. This act shall take effect on the ninetieth day after it shall
15 have become a law and shall apply to all policies issued, renewed, modi-
16 fied, 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.
LBD00741-02-6
