S 10267 NY
Requires insurers to disclose all available endorsements for homeowners liability insurance policies
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Summary
This bill requires insurers in New York to disclose all available endorsements for homeowners' insurance policies during the application process. Insurers must provide plain language descriptions of the coverage added by each available endorsement so that applicants can understand what additional protection each endorsement offers. The requirement applies to every insurer offering homeowners' insurance policies in the state. The bill takes effect on January 1 of the year following enactment and applies to all new policies and policy renewals or modifications entered into on or after that date.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Official abstract
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.
Sponsor (1)
- James Skoufis Democratic · primary
Action history (1)
- May 11, 2026 REFERRED TO INSURANCE · upper
Text versions (2)
Full text
Full text imported from assembly.state.ny.us
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Bill No.: Summary Actions Committee Votes Floor Votes Memo Text LFIN Chamber Video/Transcript S10267 Summary: BILL NO S10267   SAME AS SAME AS A11173
  SPONSOR SKOUFIS   COSPNSR   MLTSPNSR   Add §3463, Ins L   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.
Go to top S10267 Text:
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
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