NY State Senate Bill S8315A

Archive: Last Bill Status Via A9284 - Signed by Governor

Introduced
In Committee
On Floor Calendar
- Passed Senate
- Passed Assembly
Delivered to Governor
Signed by Governor

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Actions

view actions (13)

	Assembly Actions - Lowercase Senate Actions - UPPERCASE
Dec 15, 2022	signed chap.679
Dec 12, 2022	delivered to governor
May 10, 2022	returned to assembly passed senate 3rd reading cal.663 substituted for s8315a
May 10, 2022	substituted by a9284a
Mar 09, 2022	advanced to third reading
Mar 08, 2022	2nd report cal.
Mar 07, 2022	1st report cal.663
Feb 23, 2022	print number 8315a
Feb 23, 2022	amend and recommit to insurance
Feb 11, 2022	referred to insurance

Votes

Bill Amendments

Original

A (Active)

Original

A (Active)

S8315 - Details

See Assembly Version of this Bill:: A9284
Law Section:: Insurance Law
Laws Affected:: Amd §3421, Ins L

S8315 - Summary

Prohibits insurers from excluding, limiting, restricting, or reducing coverage on a homeowners' insurance policy based solely on the insured harboring or owning a specific breed of dog.

S8315 - Sponsor Memo

 
BILL NUMBER: S8315

SPONSOR: GIANARIS
 
TITLE OF BILL:

An act to amend the insurance law, in relation to prohibiting insurers
from excluding, limiting, restricting, or reducing coverage on a home-
owners' insurance policy based on the breed of dog owned

 
PURPOSE OR GENERAL IDEA OF BILL:

The objective of this legislation is to prevent insurance companies from
discriminating against homeowners based on the breed of dog that they
own.

 
SUMMARY OF SPECIFIC PROVISIONS:

Section 1: Clarifies the insurance law in such a manner as to prohibit
insurance companies from excluding, limiting, restricting, or reducing
coverage on a homeowners' insurance policy based on ownership of a
particular breed of dog.

Section 2: This act shall take effect immediately.

 
JUSTIFICATION:

If a dog had ever attacked and caused injury to a person then there may
be a legitimate basis for higher homeowner insurance premiums.  However,
the current insurance law suggests that the mere ownership of a partic-
ular breed of dog is a legitimate basis for higher homeowner insurance
premiums. This erroneous practice has placed pet owners in an undeserved
bind. While pet owners deserve adequate and affordable homeowner insur-
ance, they are unable to obtain it without removing their friendly
animal from the family unit.

For years, insurance companies that offer homeowners insurance have
avoided loss because of the burglary prevention provided by homeowners'
dogs. It is unacceptable that now insurance companies would want the
ability to deny coverage based on the exact same breed of dog that may
have protected the homeowners and the insurance company from loss.

This bill would uphold the sanctity of the law by ending the discrimi-
nation of homeowners based on the breed of dog that they own.  As an
equal and fair society, it is key that we amend the insurance law to
protect the interests of both homeowners and their kind-hearted compan-
ion animals.

 
PRIOR LEGISLATIVE HISTORY:

New bill.

 
FISCAL IMPLICATIONS:

None to the State.

 
EFFECTIVE DATE:
This act shall take effect immediately and shall apply to all policies
issued, renewed, modified, altered or amended on or after such date.

S8315 - Bill Text download pdf

 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   8315
 
                             I N  S E N A T E
 
                             February 11, 2022
                                ___________
 
 Introduced  by Sen. GIANARIS -- 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 excluding, limiting, restricting, or reducing coverage on a home-
   owners' insurance policy 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. Subdivision 1 of section 3421  of  the  insurance  law,  as
 added by chapter 545 of the laws of 2021, is amended to read as follows:
   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,  OR  EXCLUDE,  LIMIT,
 RESTRICT,  OR REDUCE COVERAGE UNDER SUCH POLICY OR CONTRACT based solely
 upon harboring or owning any dog of  a  specific  breed  or  mixture  of
 breeds.
   §  2.  This  act  shall take effect immediately and shall apply to all
 policies issued, renewed, modified, altered or amended on or after  such
 date.
 
 
 
 
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD14699-01-2

Co-Sponsors

S8315A (ACTIVE) - Details

See Assembly Version of this Bill:: A9284
Law Section:: Insurance Law
Laws Affected:: Amd §3421, Ins L

S8315A (ACTIVE) - Summary

Prohibits insurers from excluding, limiting, restricting, or reducing coverage on a homeowners' insurance policy based solely on the insured harboring or owning a specific breed of dog.

S8315A (ACTIVE) - Sponsor Memo

 
BILL NUMBER: S8315A

SPONSOR: GIANARIS
 
TITLE OF BILL:

An act to amend the insurance law, in relation to prohibiting insurers
from excluding, limiting, restricting, or reducing coverage on a home-
owners' insurance policy based on the breed of dog owned

 
PURPOSE OR GENERAL IDEA OF BILL:

The objective of this legislation is to prevent insurance companies from
discriminating against homeowners based on the breed of dog that they
own.

 
SUMMARY OF SPECIFIC PROVISIONS:

Section 1: Clarifies the insurance law in such a manner as to prohibit
insurance companies from excluding, limiting, restricting, or reducing
coverage on a homeowners' insurance policy based on ownership of a
particular breed of dog.

Section 2: This act shall take effect 90 days after it shall become a
law.

 
JUSTIFICATION:

If a dog had ever attacked and caused injury to a person then there may
be a legitimate basis for higher homeowner insurance premiums.  However,
the current insurance law suggests that the mere ownership of a partic-
ular breed of dog is a legitimate basis for higher homeowner insurance
premiums. This erroneous practice has placed pet owners in an undeserved
bind. While pet owners deserve adequate and affordable homeowner insur-
ance, they are unable to obtain it without removing their friendly
animal from the family unit.

For years, insurance companies that offer homeowners insurance have
avoided loss because of the burglary prevention provided by homeowners'
dogs. It is unacceptable that now insurance companies would want the
ability to deny coverage based on the exact same breed of dog that may
have protected the homeowners and the insurance company from loss.

This bill would uphold the sanctity of the law by ending the discrimi-
nation of homeowners based on the breed of dog that they own.  As an
equal and fair society, it is key that we amend the insurance law to
protect the interests of both homeowners and their kind-hearted compan-
ion animals.

 
PRIOR LEGISLATIVE HISTORY:

New bill.

 
FISCAL IMPLICATIONS:

None to the State.

 
EFFECTIVE DATE:
This act shall take effect on the ninetieth day after it shall become a
law and shall apply to all policies issued, renewed, modified, altered
or amended on or after such date.

S8315A (ACTIVE) - Bill Text download pdf

 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  8315--A
 
                             I N  S E N A T E
 
                             February 11, 2022
                                ___________
 
 Introduced  by Sen. GIANARIS -- read twice and ordered printed, and when
   printed to be committed to the Committee  on  Insurance  --  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 excluding, limiting, restricting, or reducing coverage on a home-
   owners' insurance policy 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.  Subdivision  1  of  section 3421 of the insurance law, as
 added by chapter 545 of the laws of 2021, is amended to read as follows:
   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,  OR  EXCLUDE, LIMIT,
 RESTRICT, OR REDUCE COVERAGE UNDER SUCH POLICY OR CONTRACT based  solely
 upon  harboring  or  owning  any  dog  of a specific breed or mixture of
 breeds.
   § 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 date.
 
 
 
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD14699-02-2

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The New York State Senate

senate Bill S8315A

Sponsored By

Archive: Last Bill Status Via A9284 - Signed by Governor

Your Voice

Actions

Votes

May 11, 2022 - floor Vote

Floor Vote: May 11, 2022

May 10, 2022 - floor Vote

Floor Vote: May 10, 2022

Mar 7, 2022 - Insurance committee Vote

Insurance Committee Vote: Mar 7, 2022

Bill Amendments

S8315 - Details

S8315 - Summary

S8315 - Sponsor Memo

S8315 - Bill Text download pdf

Co-Sponsors

S8315A (ACTIVE) - Details

S8315A (ACTIVE) - Summary

S8315A (ACTIVE) - Sponsor Memo

S8315A (ACTIVE) - Bill Text download pdf

Comments

senate Bill S8315A

Share this bill

Sponsored By

Michael Gianaris

Archive: Last Bill Status Via A9284 - Signed by Governor

Your Voice

Actions

Votes

May 11, 2022 - floor Vote

Floor Vote: May 11, 2022

May 10, 2022 - floor Vote

Floor Vote: May 10, 2022

Mar 7, 2022 - Insurance committee Vote

Insurance Committee Vote: Mar 7, 2022

Bill Amendments

S8315 - Details

S8315 - Summary

S8315 - Sponsor Memo

S8315 - Bill Text download pdf

Co-Sponsors

Jeremy A. Cooney

James Skoufis

S8315A (ACTIVE) - Details

S8315A (ACTIVE) - Summary

S8315A (ACTIVE) - Sponsor Memo

S8315A (ACTIVE) - Bill Text download pdf

Comments