§ 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.