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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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