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Jan 28
The Facts About the New York Dog Breeds Law


A new law​ taking effect in New York on January 28 puts new restrictions on homeowners insurance carriers. They cannot:
  • Refuse to issue or renew
  • Cancel, or
  • Surcharge a rate or premium
based solely on the breed of a dog in the household.
Carriers may still:​

  • Exclude coverage for liability losses caused by a dog
  • Impose a sub-limit of liability for dog-related liability losses
  • Take any of the prohibited actions if a court has declared the specific dog in the household to be dangerous. We have been told that this is a rare occurrence. 

The law applies to homeowners and renters insurance policies. It also applies to commercial policies insuring one- to four-family dwellings if the named insured is an actual person and not an organization such as a limited liability company or a corporation.

Big I New York opposed this law when it was proposed because we feared it would lead to higher premiums and discourage carriers from writing homeowners insurance in the state.


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