S9207 • 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: Michael Gianaris
Last action: 2026-05-19
Official status: Passed Assembly
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 FOR A10272
2026-05-19 Assembly
ORDERED TO THIRD READING CAL.425
2026-05-19 Assembly
PASSED ASSEMBLY
2026-05-19 Assembly
RETURNED TO SENATE
2026-05-05 Senate
PASSED SENATE
2026-05-05 Senate
DELIVERED TO ASSEMBLY
2026-05-05 Assembly
REFERRED TO INSURANCE
2026-04-22 Senate
ADVANCED TO THIRD READING
2026-04-21 Senate
2ND REPORT CAL.
2026-04-20 Senate
1ST REPORT CAL.705
2026-02-13 Senate
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
        ________________________________________________________________________

                                          9207

                                    I N  S E N A T E

                                    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