Jonathan Geissler January 7, 2022 No Comments

Dog Breeds and Home Insurance CoverageWe have some welcome news for dog owners and some potentially bad news for those homeowners who remain pup-free.

New York will soon become the latest state to place restrictions on an insurance carriers’ ability to limit or deny homeowners insurance coverage based on ownership of specific dog breeds. The law, which takes effect on January 28, 2022, prohibits insurers from declining, cancelling, non-renewing, or increasing coverage costs based solely on the breed of the dog residing in the home, like a pit bull or Rottweiler.

Insurers are still permitted to take underwriting action, however, if a court has determined the specific dog to be dangerous.

Under the new law, any state changes would need to be approved by state regulators. As a result of the new legislation, there are likely to be rate increases for the insured homeowners across the board as companies reassess their underwriting risk to determine if a statewide premium increase is warranted.

In light of these developments, if you have any questions or would like us to review your current policies, please give us a call at 845-986-1177.


At Seely & Durland Insurance. we are your business, home, auto, and life insurance solutions provider, partner, and adviser, serving Warwick, Greenwood Lake, Florida, Pine Island, Goshen, Middletown, Chester, Monroe, Newburgh, Orange County, and the Hudson Valley and Tri-State Area.



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