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New York Ends Dog Breed Discrimination By Insurance Companies

The ASPCA (The American Society for the Prevention of Cruelty to Animals) lately counseled New York State lawmakers and Governor Kathy Hochul for enacting important laws to ban insurance coverage corporations from using the breed of a canine in figuring out house owner insurance coverage protection. With this new legislation, which fits into impact 90 days after enactment, New York joins Nevada as the one two states which have enacted legal guidelines to ban this discriminatory apply.

“Throughout a time of unprecedented housing challenges for New Yorkers, the price and availability of insurance coverage has grow to be an much more onerous barrier to homeownership for households with pets,” mentioned Invoice Ketzer, senior director of state laws for the ASPCA, Japanese Division. “This new legislation will stop insurance coverage corporations from overcharging or denying households protection just because they personal a selected breed of canine, eradicating housing boundaries for 1000’s of accountable New York canine homeowners.”

The overwhelming majority of property insurance coverage suppliers at present deny or considerably enhance house owner protection and renewals for households with sure breeds of canine of their houses, but there is no such thing as a proof to assist this coverage as insurance coverage declare knowledge doesn’t validate the concept sure breeds of canine are a much bigger threat as in comparison with non-restricted breeds.

“Too usually, individuals have had to select between their beloved pets and householders insurance coverage. That is an unfair scenario that has now been remedied by Governor Hochul utilizing the ability of the pen,” mentioned Libby Put up, govt director of the NYS Animal Safety Federation. “The unfair apply of insurance coverage corporations discriminating in opposition to householders based mostly on their breed of canine has been stopped for good in New York State. It’s a main step forward-homeowners and their canine will now be handled pretty.”

Lately, a rising variety of state and native governments have taken motion to ban regulation of canine possession based mostly on the breed-or look of breed-of the canine.


These jurisdictions acknowledge the broad consensus that breed restrictions are an ineffective and inaccurate software in stopping dog-related dangers and as an alternative depend on goal information in figuring out if particular person canine pose public dangers.

“These new legal guidelines guarantee our animals are handled with the dignity they deserve. Our four-legged pals are valued companions who’re components of our households and should be revered,” mentioned Senate Deputy Chief Michael Gianaris. “We now have extra work to do however these are essential steps ahead in the reason for animal rights.”

Previous habits is a a lot a stronger indicator of present habits than genetics, so this laws particularly reserves insurers’ latitude to cancel, refuse to situation or renew or to extend premiums for households by which a resident canine of any breed has a historical past of aggression.

“Canine of all breeds are cherished members of our households, but on the idea of debunked claims and sensational media protection, the insurance coverage business has been discriminating in opposition to canine homeowners based mostly solely upon the breed of their companion,” mentioned Assemblymember Deborah Glick. “In her later years, my mom had a German Shepherd as her companion-my sisters and I referred to as her Ginger- and he or she was the sweetest, most mild canine. Underneath this new legislation, no New Yorker can be required by their insurance coverage firm to decide on between a canine like Ginger and their house.” Along with enacting this new legislation, state lawmakers acted on a number of different measures to higher shield animals in 2021, together with: · Renewed the $5 million NYS Companion Animal Capital Fund as a part of the 2022 state funds. · Prevented burdensome new necessities for veterinarians that might have diminished entry to care.

· Handed laws prohibiting the slaughter of racehorses whereas offering funding for aftercare of retired horses and requiring racehorses to be microchipped. Go to to study extra concerning the ASPCA or to hitch the ASPCA Advocacy Brigade.


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