S10267 • 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: James Skoufis
Last action: 2026-05-11
Official status: In Senate 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

2026-05-11 Senate
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
        ________________________________________________________________________

                                          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:

     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