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Assembly Bill A3507A

2011-2012 Legislative Session

Prohibits insurers from refusing to issue or renew, cancel, or charge or impose an increased premium for certain policies based solely on the breed of dog owned

download bill text pdf

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Archive: Last Bill Status - In Senate Committee Rules Committee

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Bill Amendments

co-Sponsors

2011-A3507 - Details

See Senate Version of this Bill:
S3092
Current Committee:
Senate Rules
Law Section:
Insurance Law
Laws Affected:
Add §3421, Ins L
Versions Introduced in Other Legislative Sessions:
2009-2010: A2566, S404
2013-2014: A3952, S4822
2015-2016: A3696, S487
2017-2018: A4225, S2075
2019-2020: A723, S4286, S7924
2021-2022: A4075, S4254

2011-A3507 - Summary

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.

2011-A3507 - Bill Text download pdf 

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  3507

                       2011-2012 Regular Sessions

                          I N  A S S E M B L Y

                            January 25, 2011
                               ___________

Introduced  by  M. of A. GLICK, SWEENEY, O'DONNELL, ENGLEBRIGHT, COLTON,
  McDONOUGH -- Multi-Sponsored by -- M. of A. PHEFFER -- 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:

  Section 1. The insurance law is amended by adding a new  section  3421
to read as follows:
  S  3421.  HOMEOWNERS'  LIABILITY  INSURANCE;  DOGS. 1. WITH RESPECT TO
HOMEOWNERS' INSURANCE POLICIES AS DEFINED IN SECTION TWO THOUSAND  THREE
HUNDRED  FIFTY-ONE  OF THIS CHAPTER, NO INSURER SHALL REFUSE TO ISSUE OR
RENEW, CANCEL, OR CHARGE OR IMPOSE AN INCREASED PREMIUM OR RATE FOR SUCH
POLICY OR CONTRACT BASED, IN WHOLE OR IN PART, UPON HARBORING OR  OWNING
A  DOG  OR  DOGS  OF A SPECIFIC BREED OR BREEDS OR A DOG OR DOGS "MIXED"
WITH A SPECIFIC BREED OR BREEDS.
  2. THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN  INSURER  FROM
REFUSING  TO ISSUE OR RENEW OR FROM CANCELING ANY SUCH CONTRACT OR POLI-
CY, NOR FROM IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH  A
POLICY  OR  CONTRACT BASED UPON THE DESIGNATION OF A DOG OF ANY BREED OR
MIXTURE OF BREEDS AS A DANGEROUS DOG PURSUANT  TO  SECTION  ONE  HUNDRED
TWENTY-ONE OF THE AGRICULTURE AND MARKETS LAW, BASED ON SOUND UNDERWRIT-
ING AND ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL OR ANTICIPATED
LOSS  EXPERIENCE  SUBJECT  TO THE APPLICABLE PROVISIONS OF SECTION THREE
THOUSAND FOUR HUNDRED TWENTY-FIVE OF THIS ARTICLE.
  3. THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN  INSURER  FROM
IMPOSING  A  REASONABLY  INCREASED  PREMIUM  OR  RATE FOR SUCH POLICY OR
CONTRACT BASED UPON PRIOR PAID LIABILITY CLAIMS ON THE  INSURED'S  HOME-
OWNERS' LIABILITY POLICY FOR LOSSES INCURRED DUE TO THE INSURED'S DOG OR
DOGS,  IF  THAT DOG OR DOGS STILL RESIDE IN THE INSURED'S HOME OR HOUSE-

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD01916-01-1

co-Sponsors

multi-Sponsors

2011-A3507A (ACTIVE) - Details

See Senate Version of this Bill:
S3092
Current Committee:
Senate Rules
Law Section:
Insurance Law
Laws Affected:
Add §3421, Ins L
Versions Introduced in Other Legislative Sessions:
2009-2010: A2566, S404
2013-2014: A3952, S4822
2015-2016: A3696, S487
2017-2018: A4225, S2075
2019-2020: A723, S4286, S7924
2021-2022: A4075, S4254

2011-A3507A (ACTIVE) - Summary

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.

2011-A3507A (ACTIVE) - Bill Text download pdf 

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 3507--A

                       2011-2012 Regular Sessions

                          I N  A S S E M B L Y

                            January 25, 2011
                               ___________

Introduced  by  M. of A. GLICK, SWEENEY, O'DONNELL, ENGLEBRIGHT, COLTON,
  McDONOUGH, WEPRIN, MILLMAN -- read once and referred to the  Committee
  on  Insurance  --  reported  and referred to the Committee on Codes --
  committee discharged, bill amended, ordered reprinted as  amended  and
  recommitted to said committee

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:

  Section 1. The insurance law is amended by adding a new  section  3421
to read as follows:
  S  3421.  HOMEOWNERS'  LIABILITY  INSURANCE;  DOGS. 1. WITH RESPECT TO
HOMEOWNERS' INSURANCE POLICIES AS DEFINED IN SECTION TWO THOUSAND  THREE
HUNDRED  FIFTY-ONE  OF THIS CHAPTER, NO INSURER SHALL REFUSE TO ISSUE OR
RENEW, CANCEL, OR CHARGE OR IMPOSE AN INCREASED PREMIUM OR RATE FOR SUCH
POLICY OR CONTRACT BASED SOLELY UPON HARBORING OR OWNING ANY  DOG  OF  A
SPECIFIC BREED OR MIXTURE OF BREEDS.
  2.  THE  PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN INSURER FROM
REFUSING TO ISSUE OR RENEW OR FROM CANCELING ANY SUCH CONTRACT OR  POLI-
CY,  NOR FROM IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH A
POLICY OR CONTRACT BASED UPON THE DESIGNATION OF A DOG OF ANY  BREED  OR
MIXTURE  OF  BREEDS  AS  A DANGEROUS DOG PURSUANT TO SECTION ONE HUNDRED
TWENTY-THREE OF THE AGRICULTURE AND MARKETS LAW, BASED ON  SOUND  UNDER-
WRITING  AND ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL OR ANTIC-
IPATED LOSS EXPERIENCE SUBJECT TO THE APPLICABLE PROVISIONS  OF  SECTION
THREE THOUSAND FOUR HUNDRED TWENTY-FIVE OF THIS ARTICLE.
  S  2.  This  act shall take effect on the ninetieth day after it shall
have become a law and shall apply to all policies issued, renewed, modi-
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.
                                                           LBD01916-04-1

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