Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds

Latest action Dec 12, 2025

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Not chosen yet

Where it stands

Rejected by the executive.

Introduced
In committee
Up for a vote
Passed one chamber
Passed
Enacted

Vetoed

New York State Senate

Same as A893, the matching bill in the Assembly.

Amends the Insurance Law.

Committee

Insurance · New York State Assembly

Also referred to Insurance · New York State Senate.

Purpose, from the sponsor's memo

Section one of the bill amends Insurance Law § 3421, subdivision 1, by prohibiting insurers that issue renters' insurance policies from refus- ing to issue, renew, cancel, charge, or impose an increased premium for such policy or contract, or exclude, limit, restrict, or reduce coverage under such policy or contract based solely upon harboring or owning any dog of a specific breed or mixture of breeds. Section two of the bill sets the effective date.

Filed with the bill. Read it on nysenate.gov (opens in a new tab)

Recorded votes

Vote: Floor vote
NY SenateApr 8, 2025Result: passed
(61) (1) (0) (1)
Vote: Committee vote · Insurance
Senate InsuranceFeb 3, 2025Result: passed
(11) (0) (0) (0)

Cosponsors

Alex Bores, Andrew Hevesi and 25 more on Agora

Democratic26
Republican1

See the full list on nysenate.gov

The sponsor's argument

Why Michael Gianaris says this is needed

Pet owners have long been subject to discrimination by insurance compa- nies based on the breed of dog they own. Such discrimination may come in the form of increased premiums, coverage restrictions or denial of an insurance policy, even if the dog has never been involved in a biting incident or shown any signs of aggression. These arbitrary restrictions impede the ability for people to obtain the necessary insurance policy for their home and are based on myths and stereotypes that suggest certain breeds are inherently dangerous. This legislation will ensure that renters, like homeowners, will not face higher premiums or other obstacles when obtaining a renter's insur- ance policy simply because of the type of dog they own.

This is the sponsor's own case for the bill, quoted from their memorandum. It is not Agora's description of what the bill does.

Full history

Dec 12, 2025
Vetoed
VETOED MEMO.108
NY Senate
Dec 8, 2025
Sent to the executive
DELIVERED TO GOVERNOR
NY Senate
Jun 10, 2025
Ordered to Third Reading CAL.84
ORDERED TO THIRD READING CAL.84
NY Assembly
Jun 10, 2025
Passed a chamber
PASSED ASSEMBLY
NY Assembly
Jun 10, 2025
Substituted
SUBSTITUTED FOR A893
NY Assembly

Show full history (10 earlier events)

Apr 8, 2025
Sent to the executive
DELIVERED TO ASSEMBLY
NY Senate
Apr 8, 2025
Passed a chamber
PASSED SENATE
NY Senate
Apr 8, 2025
Referred to committee
REFERRED TO INSURANCE
NY Assembly
Apr 3, 2025
Advanced to Third Reading CAL.84
ADVANCED TO THIRD READING CAL.84
NY Assembly
Apr 2, 2025
Reported out of committee
REPORTED
NY Assembly
Feb 5, 2025
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
Feb 4, 2025
2ND Report CAL.
2ND REPORT CAL.
NY Senate
Feb 3, 2025
1ST Report CAL.231
1ST REPORT CAL.231
NY Senate
Jan 8, 2025
Referred to committee
REFERRED TO INSURANCE
NY Assembly
Jan 8, 2025
Referred to committee
REFERRED TO INSURANCE
NY Senate

About this record

Summary: The summary comes from NY Open Legislation, the New York State Senate's public record. For more, see How we handle summaries.
Cosponsors: The list shows the cosponsors who are on Agora, A to Z. The official record may list more.
Party colors: Parties are shown in the same neutral colors.
Source: From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 21, 2026. About our data

Read the record

Read on NY Senate (opens in a new tab) The official record on nysenate.gov.

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