Bill Text: NY S04163 | 2023-2024 | General Assembly | Introduced

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Bill Title: Prohibits insurers issuing policies insuring personal injury and property damage arising out of a 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.

Spectrum: Partisan Bill (Democrat 1-0)

Status: (Introduced) 2024-01-03 - REFERRED TO INSURANCE [S04163 Detail]

Download: New_York-2023-S04163-Introduced.html

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                STATE OF NEW YORK
        ________________________________________________________________________

                                          4163

                               2023-2024 Regular Sessions

                    IN SENATE

                                    February 3, 2023
                                       ___________

        Introduced  by Sen. HOYLMAN-SIGAL -- 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 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 section heading and subsection 1 of section 3421 of the
     2  insurance  law,  the section heading as added by chapter 545 of the laws
     3  of 2021 and subsection 1 as amended by chapter 679 of the laws of  2022,
     4  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   every policy  or
     8  contract  insuring against liability for injury to any person, or injury
     9  to or destruction of property arising out of a lease of residential one,
    10  two, three or four dwelling real property, including renters' insurance,
    11  no insurer shall refuse to issue or renew, cancel, or charge  or  impose
    12  an  increased  premium  or rate for such policy or contract, or exclude,
    13  limit, restrict, or reduce coverage under such policy or contract  based
    14  solely  upon  harboring or owning any dog of a specific breed or mixture
    15  of breeds.
    16    § 2. This act shall take effect on the ninetieth day  after  it  shall
    17  have become a law and shall apply to all policies issued, renewed, modi-
    18  fied,  altered  or  amended  on  or after such effective date; provided,
    19  however, that if chapter 679 of the laws of 2022 shall  not  have  taken
    20  effect  on  or before such date, then section one of this act shall take
    21  effect on the same date and in the same manner as such  chapter  of  the
    22  laws  of  2022  takes  effect  and  shall  apply to all policies issued,
    23  renewed, modified, 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.
                                                                   LBD04228-01-3