S 9207 NY
Prohibits restrictions on insurance policies based on the policyholder harboring or owning any dog of a specific breed or mixture of breeds
A state bill is a proposed law in a state legislature — separate from the U.S. Congress. Learn more →
Summary
This bill prohibits New York insurers from denying, canceling, or increasing premiums for homeowners' or renters' insurance policies based on the policyholder harboring or owning any dog of a specific breed or mixture of breeds. The bill strengthens an existing prohibition by removing a "solely" qualifier, meaning breed cannot be a factor in insurance decisions at all, rather than only when it is the sole reason for the decision. The prohibition covers refusal to issue or renew policies, cancellations, premium increases, and exclusions or limitations on coverage. The bill takes effect 90 days after it becomes law and applies to all policies issued, renewed, modified, altered or amended after that date.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Official abstract
Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.
Sponsor (1)
- Michael Gianaris Democratic · primary
7 coauthors / cosponsors
- Leroy Comrie Democratic · cosponsor
- Jeremy Cooney Democratic · cosponsor
- Pete Harckham Democratic · cosponsor
- Michelle Hinchey Democratic · cosponsor
- Dean Murray Republican · cosponsor
- James Skoufis Democratic · cosponsor
- Lea Webb Democratic · cosponsor
Action history (11)
- Feb 13, 2026 REFERRED TO INSURANCE · upper
- Apr 20, 2026 1ST REPORT CAL.705 · upper
- Apr 21, 2026 2ND REPORT CAL. · upper
- Apr 22, 2026 ADVANCED TO THIRD READING · upper
- May 5, 2026 PASSED SENATE · upper
- May 5, 2026 DELIVERED TO ASSEMBLY · upper
- May 5, 2026 REFERRED TO INSURANCE · lower
- May 19, 2026 SUBSTITUTED FOR A10272 · lower
- May 19, 2026 ORDERED TO THIRD READING CAL.425 · lower
- May 19, 2026 PASSED ASSEMBLY · lower
- May 19, 2026 RETURNED TO SENATE · lower
Text versions (2)
Full text
Full text imported from assembly.state.ny.us
Skip to main content
New York State Assembly Speaker Carl E. Heastie
--> --> -->
Assembly Members
Legislative Info
Public Hearings
Speaker's Press
Assembly Reports
Committees & More
Bill Search Home Laws Legislative Calendar Public Hearing Schedule Assembly Calendars Assembly Committee Agenda Javascript must be enabled to properly view this page.
Bill No.: Summary Actions Committee Votes Floor Votes Memo Text LFIN Chamber Video/Transcript S09207 Summary: BILL NO S09207   SAME AS SAME AS A10272
  SPONSOR GIANARIS   COSPNSR COMRIE, COONEY, HARCKHAM, HINCHEY, MURRAY, SKOUFIS, WEBB   MLTSPNSR   Amd §3421, Ins L   Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.
Go to top S09207 Text:
STATE OF NEW YORK ________________________________________________________________________
9207
IN SENATE
February 13, 2026 ___________
Introduced by Sens. GIANARIS, COONEY, MURRAY, SKOUFIS, WEBB -- 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 certain restrictions as it relates to dog breed
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 2 the insurance law, the section heading as added by chapter 545 of the 3 laws of 2021 and subsection 1 as amended by chapter 679 of the laws of 4 2022, 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 renters' insurance 8 policies as defined in section three thousand four hundred fifty-four of 9 this article , no insurer shall refuse to issue or renew, cancel, or 10 charge or impose an increased premium or rate for such policy or 11 contract, or exclude, limit, restrict, or reduce coverage under such 12 policy or contract based [ solely ] upon harboring or owning any dog of a 13 specific breed or mixture of breeds. 14 § 2. This act shall take effect on the ninetieth day after it shall 15 have become a law and shall apply to all policies issued, renewed, modi- 16 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. LBD00741-02-6
Go to top
Sitemap
Request Information
Directions and Maps
Comments
Data from OpenStates. View on OpenStates →
Comments