Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds

This bill prohibits insurance companies from refusing to issue or renew homeowners' or renters' insurance policies, canceling policies, charging higher premiums, or limiting coverage solely because a policyholder owns a specific dog breed or mix of breeds. It directly affects homeowners and renters who might have faced discrimination based on their dog's breed. The key provision requires insurers to base coverage decisions on standard risk factors, not breed alone, for policies defined under New York's insurance law. The law applies to all policies issued or renewed after its effective date.