Bill > S00364

This bill amends the New York insurance law to prohibit insurance companies from discriminating against homeowners and renters based solely on the breed of dog they own or harbor. Specifically, insurers cannot refuse to issue or renew a policy, cancel a policy, charge higher premiums, or limit coverage just because a policyholder has a dog of a particular breed or breed mix. The legislation expands previous protections that applied only to homeowners' insurance to now include renters' insurance as well. This means that insurance companies cannot make decisions about policy terms or pricing based on breed-specific stereotypes, which have often unfairly targeted breeds like pit bulls or other dogs perceived as potentially aggressive. The bill will take effect 90 days after becoming law and will apply to all insurance policies issued, renewed, modified, or altered after that date. This change aims to prevent breed-based discrimination and ensure that dog owners have fair access to insurance coverage regardless of their pet's breed.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/S364