Prohibits insurers from refusing to issue or renew, cancel, or charge or impose an increased premium for homeowners' insurance policies based on the breed of a dog owned.
STATE OF NEW YORK
________________________________________________________________________
723
2019-2020 Regular Sessions
IN ASSEMBLY(Prefiled)
January 9, 2019
___________
Introduced by M. of A. GLICK, O'DONNELL, COLTON, ENGLEBRIGHT, L. ROSEN-
THAL, PERRY, ZEBROWSKI, BYRNE -- read once and referred to the Commit-
tee on Insurance
AN ACT to amend the insurance law, in relation to prohibiting insurers
from canceling, refusing to issue or renew, or charging higher premi-
ums for homeowners' 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 insurance law is amended by adding a new section 3421
2 to read as follows:
3 § 3421. Homeowners' liability insurance; dogs. 1. With respect to
4 homeowners' insurance policies as defined in section two thousand three
5 hundred fifty-one of this chapter, no insurer shall refuse to issue or
6 renew, cancel, or charge or impose an increased premium or rate for such
7 policy or contract based solely upon harboring or owning any dog of a
8 specific breed or mixture of breeds.
9 2. The provisions of this section shall not prohibit an insurer from
10 refusing to issue or renew or from canceling any such contract or poli-
11 cy, nor from imposing a reasonably increased premium or rate for such a
12 policy or contract based upon the designation of a dog of any breed or
13 mixture of breeds as a dangerous dog pursuant to section one hundred
14 twenty-three of the agriculture and markets law, based on sound under-
15 writing and actuarial principles reasonably related to actual or antic-
16 ipated loss experience subject to the applicable provisions of section
17 three thousand four hundred twenty-five of this article.
18 § 2. This act shall take effect on the ninetieth day after it shall
19 have become a law and shall apply to all policies issued, renewed, modi-
20 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.
LBD05046-01-9
