A10272 • 2025

Prohibits restrictions on insurance policies based on the policyholder harboring or owning any dog of a specific breed or mixture of breeds

Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor: Linda Rosenthal
Last action: 2026-05-19
Official status: Assembly Floor Calendar
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Prohibits restrictions on insurance policies based on the policyholder harboring or owning any dog of a specific breed or mixture of breeds

Prohibits restrictions on insurance policies based on the policyholder harboring or owning any dog of a specific breed or mixture of breeds Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

What This Bill Does

Prohibits restrictions on insurance policies based on the policyholder harboring or owning any dog of a specific breed or mixture of breeds Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2026-05-19 Assembly
SUBSTITUTED BY S9207
2026-04-30 Assembly
ADVANCED TO THIRD READING CAL.425
2026-04-29 Assembly
REPORTED
2026-02-20 Assembly
REFERRED TO INSURANCE

Official Summary Text

Prohibits restrictions on insurance policies based on the policyholder harboring or owning any dog of a specific breed or mixture of breeds
Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Current Bill Text

Read the full stored bill text

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

                                          10272

                                  I N  A S S E M B L Y

                                    February 20, 2026
                                       ___________

        Introduced  by  M.  of  A.  ROSENTHAL  --  read once and referred 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