American Kennel Club welcomes passage of New York’s new law prohibiting homeowner insurance discrimination
NEW YORK, November 2, 2021 / PRNewswire / – The American Kennel Club (AKCÂ®), the world’s largest purebred dog registry and advocate for all dogs, is pleased to express its strong support and appreciation for the adoption of the New York State Law, entered into force January 2022, which will prohibit racial discrimination in home insurance.
At saturday 30 october, new York Governor Kathy hochul signed Senate Bill 4254 (now Chapter 545), which states: “With respect to home insurance policies … no insurer shall refuse to issue or renew, cancel, charge or ‘impose a premium or increased rateâ¦ only on the basis of housing or owning a dog of a specific breed or a mixture of breeds. “
Insurance companies can cancel, increase rates, or refuse to issue policies if a dog is declared unsafe as defined in New York State In law, as long as the action is based on “sound pricing and actuarial principles” and the action is reasonably related to an actual or anticipated loss. However, the action cannot be based on the breed of the dog.
Over the past 10 years, the AKC has advocated for legislation to new York on this issue which will protect responsible dog owners from situations where they are unable to obtain or afford home insurance simply because of the breed of dog they own.
New York State the law already expressly prohibits municipalities from passing laws that target specific breeds of dogs. The new law (formerly A. 4075 and S. 4254) extends these protections to owners who are responsible dog owners, while holding all dog owners accountable, regardless of what breed they choose to own.
“The AKC is grateful to the Governor of New York Kathy hochul as well as the senator Michel Gianaris and member of the Assembly Deborah Glick for sponsoring this law, which will prohibit racial discrimination in homeowner’s insurance, âsaid AKC President and CEO, Dennis sprung. âThanks to this new legislation, effective January 2022, new York Dog owners will be protected from higher rates or denial of home insurance based on the breed of dog they own. “
AKC also thanks the new York dog owners who have taken the time to contact their lawmakers and the governor in support of this issue. This bill will come into force 90 days from the date of signature.
For more information, visit the AKC Government Relations Legislative Action Center on Race Specific Legislation..
About the American Kennel Club
Founded in 1884, the American Kennel Club is a non-profit organization that maintains the world’s largest purebred dog registry and oversees the sport of purebred dogs in United States. The AKC is dedicated to maintaining the integrity of its registry, promoting the sport of purebred dogs, and breeding for type and function. With over 5,000 licensed clubs and members and affiliated organizations, the AKC champions the purebred dog as a family companion, advances canine health and welfare, strives to protect the rights of all dog owners and promotes responsible dog ownership. Over 22,000 AKC registered purebred dog competitions are held annually under AKC rules and regulations including conformation, agility, obedience, rallying, tracking, breeding , lure racing, coonhound trials, hunt tests, field tests and dirt dogs. AKC affiliate organizations include the AKC Humane Fund, AKC Canine Health Foundation, AKC Reunite, and AKC Museum of the Dog. For more information visit www.akc.org.
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SOURCE American Kennel Club