Senate bill · S9207 (2025-26)

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

PassedLatest action May 19, 2026

New York State Senate

Same as A10272, the matching bill in the Assembly.

Sponsor

Democratic/Working Families

Summary

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

Summary from NY Open Legislation. How we handle summaries

Amends the Insurance Law.

From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 22, 2026. About our data

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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 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)

Where it stands

Passed the legislature and is awaiting a signature.

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

Committee

Insurance · New York State Assembly

Also referred to Insurance · New York State Senate.

Cosponsors

Anna Kelles, Dana Levenberg and 18 more on Agora

Showing the cosponsors who are on Agora, A to Z. The official record may list more.

Read on NY Senate

Democratic19
Republican1

This bill has cosponsors from more than one party.

Shown in neutral colors by design; Agora is non-partisan.

Show the full list (20 names)

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.

Recorded votes

Vote: Floor vote
NY SenateMay 5, 2026Result: passed
(59) (3) (0) (1)
Vote: Committee vote · Insurance
Senate InsuranceApr 20, 2026Result: passed
(11) (0) (0) (0)

Full history

May 19, 2026
Ordered to Third Reading CAL.425
ORDERED TO THIRD READING CAL.425
NY Assembly
May 19, 2026
Passed a chamber
PASSED ASSEMBLY
NY Assembly
May 19, 2026
Substituted
SUBSTITUTED FOR A10272
NY Assembly
May 5, 2026
Sent to the executive
DELIVERED TO ASSEMBLY
NY Senate
May 5, 2026
Passed a chamber
PASSED SENATE
NY Senate

Show full history (8 earlier events)

May 5, 2026
Referred to committee
REFERRED TO INSURANCE
NY Assembly
Apr 30, 2026
Advanced to Third Reading CAL.425
ADVANCED TO THIRD READING CAL.425
NY Assembly
Apr 29, 2026
Reported out of committee
REPORTED
NY Assembly
Apr 22, 2026
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
Apr 21, 2026
2ND Report CAL.
2ND REPORT CAL.
NY Senate
Apr 20, 2026
1ST Report CAL.705
1ST REPORT CAL.705
NY Senate
Feb 20, 2026
Referred to committee
REFERRED TO INSURANCE
NY Assembly
Feb 13, 2026
Referred to committee
REFERRED TO INSURANCE
NY Senate