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 renewCancel, orSurcharge a rate or premiumbased solely on the breed of a dog in the household. Carriers may still:Exclude coverage for liability losses caused by a dogImpose a sub-limit of liability for dog-related liability lossesTake 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…