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Assembly Bill A11173

2025-2026 Legislative Session

Requires insurers to disclose all available endorsements for homeowners liability insurance policies

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Current Bill Status - In Assembly Committee

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2025-A11173 (ACTIVE) - Details

Current Committee:
Assembly Insurance
Law Section:
Insurance Law
Laws Affected:
Add §3463, Ins L

2025-A11173 (ACTIVE) - Summary

Requires insurers to disclose all available endorsements for homeowners' liability insurance policies with plain language descriptions of the coverage added by each endorsement as part of the application process.

2025-A11173 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   11173
 
                           I N  A S S E M B L Y
 
                                May 1, 2026
                                ___________
 
 Introduced by M. of A. KAY -- read once and referred to the Committee on
   Insurance
 
 AN  ACT to amend the insurance law, in relation to requiring insurers to
   disclose all available endorsements for homeowners'  liability  insur-
   ance policies
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:

   Section 1. The insurance law is amended by adding a new  section  3463
 to read as follows:
   § 3463. HOMEOWNERS' LIABILITY INSURANCE; AVAILABLE ENDORSEMENT DISCLO-
 SURE.  EVERY INSURER OFFERING A HOMEOWNERS' INSURANCE POLICY, AS DEFINED
 IN SECTION TWO THOUSAND THREE HUNDRED FIFTY-ONE OF THIS  CHAPTER,  SHALL
 DISCLOSE  ALL AVAILABLE ENDORSEMENTS WITH PLAIN LANGUAGE DESCRIPTIONS OF
 THE COVERAGE ADDED BY EACH ENDORSEMENT AS PART OF THE APPLICATION  PROC-
 ESS FOR SUCH POLICY.
   §  2. This act shall take effect on the first of January next succeed-
 ing the date on which it shall have become a law and shall apply to  all
 contracts  entered  into,  renewed, modified or amended on or after such
 effective date.
 
 
 
 
 

  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD15549-01-6

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