New York State Assembly

 
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•  Chamber Video/Transcript 

A09284 Summary:

A09284 Actions:

A09284 Committee Votes:

Committee:INSURANCE   Chair:Cahill      
DATE:03/09/2022AYE/NAY:20/4  Action: Favorable         
Cahill
Aye
Blankenbush
Nay
Cook
Aye
Hawley
Nay
Pretlow
Aye
Byrne
Aye
Rivera
Excused
Schmitt
Aye
Cymbrowitz
Aye
Palmesano
Nay
Lavine
Aye
DiPietro
Nay
Steck
Aye
Gandolfo
Aye
Dilan
Aye
Hunter
Aye
Niou
Aye
Rosenthal
Aye
Stern
Aye
McDonald
Aye
Jacobson
Aye
Williams
Aye
Meeks
Aye
Forrest
Aye
Anderson
Aye

A09284 Floor Votes:

A09284 Memo:

NEW YORK STATE ASSEMBLY
MEMORANDUM IN SUPPORT OF LEGISLATION
 submitted in accordance with Assembly Rule III, Sec 1(f)



 
BILL NUMBER: A9284A
 
SPONSOR: Glick

 
TITLE OF BILL:
 
An act to amend the insurance law, in relation to prohibiting insurers
from excluding, limiting, restricting, or reducing coverage on a home-
owners' insurance policy based on the breed of dog owned
 
 
PURPOSE OR GENERAL IDEA OF BILL:
 
The objective of this legislation is to prevent insurance companies from
discriminating against homeowners based on the breed of dog that they
own.
 
 
SUMMARY OF SPECIFIC PROVISIONS:
 
Section 1: Clarifies the insurance law in such a manner as to prohibit
insurance companies from excluding, limiting, restricting, or reducing
coverage on a homeowners' insurance policy based on ownership of a
particular breed of dog.
 
Section 2: This act shall take effect 90 days after it shall become a
law.
 
 
JUSTIFICATION:
 
If a dog had ever attacked and caused injury to a person then there may
be a legitimate basis for higher homeowner insurance premiums.  However,
the current insurance law suggests that the mere ownership of a partic-
ular breed of dog is a legitimate basis for higher homeowner insurance
premiums. This erroneous practice has placed pet owners in an undeserved
bind. While pet owners deserve adequate and affordable homeowner insur-
ance, they are unable to obtain it without removing their friendly
animal from the family unit.  For years, insurance companies that offer
homeowners insurance have avoided loss because of the burglary
prevention provided by homeowners' dogs. It is unacceptable that now
insurance companies would want the ability to deny coverage based on the
exact same breed of dog that may have protected the homeowners and the
insurance company from loss.
 
This bill would uphold the sanctity of the law by ending the discrimi-
nation of homeowners based on the breed of dog that they own.  As an
equal and fair society, it is key that we amend the insurance law to
protect the interests of both homeowners and their kind-hearted compan-
ion animals.
 
 
PRIOR LEGISLATIVE HISTORY:
 
New bill.
 
 
FISCAL IMPLICATIONS:
 
None to the State.
 
 
EFFECTIVE DATE:
This act shall take effect on the ninetieth day after it shall become a
law and shall apply to all policies issued, renewed, modified, altered
or amended on or after such date.

A09284 Text:

 
                STATE OF NEW YORK
        ________________________________________________________________________
 
                                         9284--A
 
                   IN ASSEMBLY
 
                                    February 11, 2022
                                       ___________
 
        Introduced  by M. of A. GLICK -- read once and referred to the Committee
          on Insurance -- committee discharged, bill amended, ordered  reprinted
          as amended and recommitted to said committee
 
        AN  ACT  to amend the insurance law, in relation to prohibiting insurers
          from excluding, limiting, restricting, or reducing coverage on a home-
          owners' insurance policy based on the breed of dog owned

          The People of the State of New York, represented in Senate and  Assem-
        bly, do enact as follows:
 
     1    Section  1.  Subdivision  1  of  section 3421 of the insurance law, as
     2  added by chapter 545 of the laws of 2021, is amended to read as follows:
     3    1. With respect  to  homeowners'  insurance  policies  as  defined  in
     4  section two thousand three hundred fifty-one of this chapter, no insurer
     5  shall refuse to issue or renew, cancel, or charge or impose an increased
     6  premium  or  rate  for  such  policy  or  contract,  or  exclude, limit,
     7  restrict, or reduce coverage under such policy or contract based  solely
     8  upon  harboring  or  owning  any  dog  of a specific breed or mixture of
     9  breeds.
    10    § 2. This act shall take effect on the ninetieth day  after  it  shall
    11  have become a law and shall apply to all policies issued, renewed, modi-
    12  fied, altered or amended on or after such date.
 
 
 
 
 
         EXPLANATION--Matter in italics (underscored) is new; matter in brackets
                              [ ] is old law to be omitted.
                                                                   LBD14699-03-2

A09284 LFIN:

 
NO LFIN

A09284 Chamber Video/Transcript: