A11173 • 2025

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

Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor: Paula Kay
Last action: 2026-05-01
Official status: In Assembly Committee
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

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

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

What This Bill Does

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

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2026-05-01 Assembly
REFERRED TO INSURANCE

Official Summary Text

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

Current Bill Text

Read the full stored bill text

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:

     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