N.Y. Insurance Law § 3421: Homeowners' liability insurance; dogs

§ 3421. Homeowners' liability insurance; dogs. 1. With respect to

homeowners' insurance policies as defined in section two thousand three

hundred fifty-one of this chapter, no insurer shall refuse to issue or

renew, cancel, or charge or impose an increased premium or rate 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.

2. The provisions of this section shall not prohibit an insurer from

refusing to issue or renew or from canceling any such contract or

policy, nor from imposing a reasonably increased premium or rate for

such a policy or contract based upon the designation of a dog of any

breed or mixture of breeds as a dangerous dog pursuant to section one

hundred twenty-three of the agriculture and markets law, based on sound

underwriting and actuarial principles reasonably related to actual or

anticipated loss experience subject to the applicable provisions of

section three thousand four hundred twenty-five of this article.