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Senate Bill S10267

2025-2026 Legislative Session

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

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Current Bill Status - In Senate Committee Insurance Committee

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2025-S10267 (ACTIVE) - Details

See Assembly Version of this Bill:
A11173
Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Add §3463, Ins L

2025-S10267 (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-S10267 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   10267
 
                             I N  S E N A T E
 
                               May 11, 2026
                                ___________
 
 Introduced  by  Sen. SKOUFIS -- read twice and ordered printed, and when
   printed to be committed 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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