Legal Analysts

Monday, November 01, 2021

New Dog / Insurance Law - Dog Breed Exclusions Can't be Random

As of January 28, 2022, NYS insurers are prohibited 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.

Nonetheless, Insurance Law 3421 now provides an exception where insurance can be modified if a breed or mixture of breeds is designated as a dangerous dog pursuant to Agriculture and Markets Law 123, which requires such designations to be made by sound underwriting and actuarial principles, rather than fear alone. 

Governor Hochul signed this legislation, S4254, on October 30, 2021.