Bill Text: NY A03952 | 2013-2014 | General Assembly | Introduced

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Bill Title: 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.

Spectrum: Strong Partisan Bill (Democrat 16-1)

Status: (Engrossed - Dead) 2014-01-08 - ordered to third reading cal.193 [A03952 Detail]

Download: New_York-2013-A03952-Introduced.html

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                           S T A T E   O F   N E W   Y O R K
       ________________________________________________________________________
                                         3952
                              2013-2014 Regular Sessions
                                 I N  A S S E M B L Y
                                   January 30, 2013
                                      ___________
       Introduced  by  M.  of  A. GLICK, O'DONNELL, COLTON, McDONOUGH, MILLMAN,
         ENGLEBRIGHT, SWEENEY -- read once and referred  to  the  Committee  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    S  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    S  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.
                                                                  LBD04560-01-3