Bill Text: NY S01000 | 2021-2022 | General Assembly | Introduced

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Bill Title: Prohibits insurers issuing policies insuring personal injury and property damage arising out of home ownership or 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; provides that such provisions shall not apply if the dog harbored has been designated as a dangerous dog pursuant to section 123 of the agriculture and markets law.

Spectrum: Partisan Bill (Democrat 2-0)

Status: (Introduced - Dead) 2022-01-05 - REFERRED TO INSURANCE [S01000 Detail]

Download: New_York-2021-S01000-Introduced.html

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                STATE OF NEW YORK
        ________________________________________________________________________

                                          1000

                               2021-2022 Regular Sessions

                    IN SENATE

                                       (Prefiled)

                                     January 6, 2021
                                       ___________

        Introduced  by  Sens. HOYLMAN, BIAGGI -- 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 homeowner's insurance and
          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 insurance law is amended by adding a new section 3421
     2  to read as follows:
     3    § 3421. Homeowner's liability insurance and renters  insurance;  dogs.
     4  No  insurer  issuing a policy or contract insuring against liability for
     5  injury to any person, or injury to or destruction  of  property  arising
     6  out  of ownership or lease of residential one, two, three or four dwell-
     7  ing real property, including renters insurance, shall refuse  to  issue,
     8  renew  or  cancel  for  such  a policy or contract based, in whole or in
     9  part, upon the harboring of any specific breed or breeds of dog or  dogs
    10  upon  such  real  property or rental.  The rates for that portion of any
    11  such policy or contract which insures against liability  for  injury  to
    12  any  person,  or  injury to or destruction of property shall be based on
    13  sound underwriting and actuarial principles. However, if  any  such  dog
    14  has  been  designated as a dangerous dog pursuant to section one hundred
    15  twenty-three of the agriculture and markets law, the provisions of  this
    16  section shall in no manner prohibit an insurer from refusing to issue or
    17  renew  or from cancelling any such contract or policy, nor from imposing
    18  an increased premium or rate for such a  policy  or  contract  based  on
    19  sound underwriting and actuarial principles reasonably related to actual
    20  or  anticipated  loss experience subject to the applicable provisions of
    21  section three thousand four hundred twenty-five of this article.
    22    § 2. This act shall take effect immediately and  shall  apply  to  all
    23  policies  issued, renewed, modified, altered or amended on or after such
    24  date.

         EXPLANATION--Matter in italics (underscored) is new; matter in brackets
                              [ ] is old law to be omitted.
                                                                   LBD00497-01-1