Senate Bill S3286A

2013-2014 Legislative Session

Provides for actuarially appropriate discounts on fire and homeowners insurance after completion of certified residential home safety and loss prevention course

download bill text pdf

Sponsored By

Archive: Last Bill Status - In Senate Committee Insurance Committee


  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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Bill Amendments

co-Sponsors

2013-S3286 - Details

See Assembly Version of this Bill:
A1475
Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Amd §2346, add §2346-b, Ins L
Versions Introduced in Other Legislative Sessions:
2009-2010: S2376, A9094
2011-2012: S4403, A1237
2015-2016: S1441, A4688
2017-2018: A3835
2019-2020: A4813
2021-2022: A4032
2023-2024: A2436

2013-S3286 - Summary

Provides for the establishment of residential home safety and loss prevention courses certified by the superintendent of insurance; 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 insurance 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 insurance to issue a report thereon.

2013-S3286 - Sponsor Memo

2013-S3286 - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  3286

                       2013-2014 Regular Sessions

                            I N  S E N A T E

                            January 31, 2013
                               ___________

Introduced by Sens. O'MARA, DeFRANCISCO -- read twice and ordered print-
  ed, 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:

  Section  1.  Section  2346 of the insurance law is amended by adding a
new subsection 5 to read as follows:
  5. THE SUPERINTENDENT SHALL PROVIDE  FOR  AN  ACTUARIALLY  APPROPRIATE
REDUCTION  IN  THE RATES OF FIRE INSURANCE PREMIUMS OR HOMEOWNERS INSUR-
ANCE PREMIUMS APPLICABLE TO RESIDENTIAL REAL PROPERTY  FOR  ANY  INSURED
FOR A THREE YEAR PERIOD AFTER SUCCESSFULLY COMPLETING A RESIDENTIAL HOME
SAFETY  AND  LOSS  PREVENTION  COURSE  CERTIFIED PURSUANT TO SECTION TWO
THOUSAND THREE HUNDRED FORTY-SIX-B OF THIS ARTICLE.
  S 2. The insurance law is amended by adding a new  section  2346-b  to
read as follows:
  S 2346-B. CERTIFICATION OF RESIDENTIAL HOME SAFETY AND LOSS PREVENTION
COURSES.  (A)  THE  DEPARTMENT,  IN CONSULTATION WITH THE OFFICE OF FIRE
PREVENTION AND CONTROL OF THE DIVISION OF HOMELAND SECURITY AND EMERGEN-
CY SERVICES AND ANY ADDITIONAL STATE ENTITY IT DEEMS APPROPRIATE,  SHALL
CERTIFY ALL RESIDENTIAL HOME SAFETY AND LOSS PREVENTION COURSES THAT ARE
AUTHORIZED  TO OFFER CLASSES THROUGH WHICH THE INSURED SHALL BE ELIGIBLE
TO RECEIVE AN INSURANCE PREMIUM REDUCTION PURSUANT TO SUBSECTION FIVE OF
SECTION TWO THOUSAND THREE HUNDRED FORTY-SIX OF THIS ARTICLE.
  (B) FOR THE PURPOSES OF THIS SECTION:
  (1) "RESIDENTIAL HOME SAFETY AND LOSS PREVENTION COURSE"  OR  "COURSE"
SHALL  MEAN AN INSTRUCTIONAL PROGRAM THAT PRESENTS INFORMATION AND METH-
ODS THAT CAN HELP  AN  INSURED  TO  SIGNIFICANTLY  PREVENT  OR  MINIMIZE
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.
                                                           LBD04166-01-3
              

co-Sponsors

2013-S3286A (ACTIVE) - Details

See Assembly Version of this Bill:
A1475
Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Amd §2346, add §2346-b, Ins L
Versions Introduced in Other Legislative Sessions:
2009-2010: S2376, A9094
2011-2012: S4403, A1237
2015-2016: S1441, A4688
2017-2018: A3835
2019-2020: A4813
2021-2022: A4032
2023-2024: A2436

2013-S3286A (ACTIVE) - Summary

Provides for the establishment of residential home safety and loss prevention courses certified by the superintendent of insurance; 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 insurance 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 insurance to issue a report thereon.

2013-S3286A (ACTIVE) - Sponsor Memo

2013-S3286A (ACTIVE) - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 3286--A

                       2013-2014 Regular Sessions

                            I N  S E N A T E

                            January 31, 2013
                               ___________

Introduced  by  Sens. O'MARA, DeFRANCISCO, RANZENHOFER -- read twice and
  ordered printed, and when printed to be committed to the Committee  on
  Insurance  -- committee discharged, bill amended, ordered reprinted as
  amended and recommitted to said committee

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:

  Section 1. Section 2346 of the insurance law is amended  by  adding  a
new subsection 5 to read as follows:
  5.  THE  SUPERINTENDENT  SHALL  PROVIDE FOR AN ACTUARIALLY APPROPRIATE
REDUCTION IN THE RATES OF FIRE INSURANCE PREMIUMS OR  HOMEOWNERS  INSUR-
ANCE  PREMIUMS  APPLICABLE  TO RESIDENTIAL REAL PROPERTY FOR ANY INSURED
FOR A THREE YEAR PERIOD AFTER SUCCESSFULLY COMPLETING A RESIDENTIAL HOME
SAFETY AND LOSS PREVENTION COURSE  CERTIFIED  PURSUANT  TO  SECTION  TWO
THOUSAND THREE HUNDRED FORTY-SIX-B OF THIS ARTICLE.
  S  2.  The  insurance law is amended by adding a new section 2346-b to
read as follows:
  S 2346-B. CERTIFICATION OF RESIDENTIAL HOME SAFETY AND LOSS PREVENTION
COURSES. (A) THE DEPARTMENT, IN CONSULTATION WITH  THE  OFFICE  OF  FIRE
PREVENTION AND CONTROL OF THE DIVISION OF HOMELAND SECURITY AND EMERGEN-
CY  SERVICES AND ANY ADDITIONAL STATE ENTITY IT DEEMS APPROPRIATE, SHALL
CERTIFY ALL RESIDENTIAL HOME SAFETY AND LOSS PREVENTION COURSES THAT ARE
AUTHORIZED TO OFFER CLASSES THROUGH WHICH THE INSURED SHALL BE  ELIGIBLE
TO RECEIVE AN INSURANCE PREMIUM REDUCTION PURSUANT TO SUBSECTION FIVE OF
SECTION TWO THOUSAND THREE HUNDRED FORTY-SIX OF THIS ARTICLE.
  (B) FOR THE PURPOSES OF THIS SECTION:
  (1)  "RESIDENTIAL  HOME SAFETY AND LOSS PREVENTION COURSE" OR "COURSE"
SHALL MEAN AN INSTRUCTIONAL PROGRAM THAT PRESENTS INFORMATION AND  METH-
ODS  THAT  CAN  HELP  AN  INSURED  TO  SIGNIFICANTLY PREVENT OR MINIMIZE
PERSONAL INJURIES AND PROPERTY LOSSES IN RESIDENTIAL REAL  PROPERTY  DUE
TO  THE  OCCURRENCE  OF  FIRE,  THEFT,  BURGLARY,  ACCIDENTS AND WEATHER

              

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