New York S 7827: Provides for actuarially appropriate discounts on fire and homeowners insurance after completion of certified residential home safety and loss prevention course; repealer

Bill Text

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S07827 Summary:

BILL NOS07827 

&nbsp

SAME ASSAME AS A01763

&nbsp

SPONSORSCARCELLA-SPANTON

&nbsp

COSPNSR

&nbsp

MLTSPNSR

&nbsp

Amd §2346, add §2346-b, Ins L

&nbsp

Provides for the establishment of residential home safety and loss prevention courses certified by the superintendent of financial services; requires insurers to provide actuarially appropriate discounts on fire and homeowners insurance premiums to those homeowners who have completed a residential home safety and loss prevention course; directs the superintendent of financial services to promulgate such rules and regulations as are necessary to implement such program and specifies certain matters which must be included in such rules and regulations; requires the superintendent of financial services to issue a report thereon.

Go to top S07827 Actions:

BILL NOS07827 

&nbsp

05/09/2025REFERRED TO INSURANCE

01/07/2026REFERRED TO INSURANCE

Go to topS07827 Committee&nbspVotes:

Go to topS07827 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS07827 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 7827

 2025-2026 Regular Sessions

 IN SENATE

 May 9, 2025
 ___________

 Introduced by Sen. SCARCELLA-SPANTON -- 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 establishing residen-
 tial home safety and loss prevention courses and providing for an
 associated reduction in certain insurance premiums and providing for
 the repeal of such provisions upon expiration thereof

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Section 2346 of the insurance law is amended by adding a
 2 new subsection 6 to read as follows:
 3 6. The superintendent shall provide for an actuarially appropriate
 4 reduction in the rates of fire insurance premiums or homeowners insur-
 5 ance premiums applicable to residential real property for any insured
 6 for a three year period after successfully completing a residential home
 7 safety and loss prevention course certified pursuant to section two
 8 thousand three hundred forty-six-b of this article.
 9 § 2. The insurance law is amended by adding a new section 2346-b to
 10 read as follows:
 11 § 2346-b. Certification of residential home safety and loss prevention
 12 courses. (a) The department, in consultation with the office of fire
 13 prevention and control of the division of homeland security and emergen-
 14 cy services and any additional state entity it deems appropriate, shall
 15 certify all residential home safety and loss prevention courses that are
 16 authorized to offer classes through which the insured shall be eligible
 17 to receive an insurance premium reduction pursuant to subsection six of
 18 section two thousand three hundred forty-six of this article.
 19 (b) For the purposes of this section:
 20 (1) "residential home safety and loss prevention course" or "course"
 21 shall mean an instructional program that presents information and meth-
 22 ods that can help an insured to significantly prevent or minimize
 23 personal injuries and property losses in residential real property due

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD04843-01-5

 S. 7827 2

 1 to the occurrence of fire, theft, burglary, accidents and weather
 2 related events, including, but not limited to, how to mitigate property
 3 damage from hurricanes, ice storms, tornadoes and other natural disas-
 4 ters; and
 5 (2) "course sponsor" shall mean any individual, company or organiza-
 6 tion that has developed or owns a residential home safety and loss
 7 prevention course and all agents of such sponsor including independent
 8 contractors that conduct classes for such sponsor and class instructors.
 9 (c) The department shall promulgate such rules and regulations as are
 10 necessary to implement the provisions of this section. Such rules shall,
 11 at a minimum, provide for:
 12 (1) course sponsor application procedures that an applicant shall
 13 follow to obtain course certification approval;
 14 (2) curriculum standards that the course sponsors and instru