NY Update: Support Bill to End Breed Discrimination in Homeowners Insurance

NY Update: Support Bill to End Breed Discrimination in Homeowners Insurance


Assembly Bill 3952, which would prohibit insurance companies from denying, cancelling or raising premium rates for homeowners’ insurance based on the breed of dog owned by the policyholder, has passed the New York Assembly and is now pending in the Senate Insurance Committee.

All responsible dog owners and breeders in New York are encouraged to contact the Senate Insurance Committee and ask them to support Assembly Bill 3952. Scroll down for committee contact information. If you are a constituent, be sure to mention that when you contact them.


Assembly Bill 3952 prohibits insurers from refusing to issue, renew or cancel or raise premiums for homeowners’ insurance based solely on breed of dog (or mixed-breed) owned by the policyholder. The bill does allow for insurance companies to take these actions if the dog has been declared dangerous based on current law.

New York state law already expressly prohibits municipalities from passing laws that target specific breeds of dogs. AKC GR supports A. 3952, which would ensure that the rights of dog owners are protected when obtaining homeowners’ insurance. At the same time, it does allow insurance companies to impose a “reasonably increased premium or rate” or to cancel or deny a policy if the applicant owns a dog that has been declared dangerous as defined in state law.

AKC Government Relations will continue to closely monitor this legislation. For questions or more information, contact the AKC Government Relations Department at (919) 816-3720 or doglaw@akc.org