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.
STATE OF NEW YORK
________________________________________________________________________
10267
IN SENATE
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:
1 Section 1. The insurance law is amended by adding a new section 3463
2 to read as follows:
3 § 3463. Homeowners' liability insurance; available endorsement disclo-
4 sure. Every insurer offering a homeowners' insurance policy, as defined
5 in section two thousand three hundred fifty-one of this chapter, shall
6 disclose all available endorsements with plain language descriptions of
7 the coverage added by each endorsement as part of the application proc-
8 ess for such policy.
9 § 2. This act shall take effect on the first of January next succeed-
10 ing the date on which it shall have become a law and shall apply to all
11 contracts entered into, renewed, modified or amended on or after such
12 effective date.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD15549-01-6
