New York legislation · 2025-2026 General Assembly
New York A11725: Relates to prohibiting the consideration of credit history in the underwriting, cancellation, renewal or calculation of cost of homeowners' insurance
Status: In committee, September 16, 2026
Relates to prohibiting insurers from refusing to underwrite, cancel or refuse to renew a policy for homeowners' insurance based on the credit history of an applicant or an insured.
What the bill says
An act to amend the insurance law, in relation to prohibiting insurers from making decisions about the underwriting, cancellation, renewal or calculation of cost of homeowners' insurance based on the credit history of an applicant or an insured.
From the introduced text, September 16, 2026:
AN ACT to amend the insurance law, in relation to prohibiting insurers from making decisions about the underwriting, cancellation, renewal or calculation of cost of homeowners' insurance based on the credit history of an applicant or an insured THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS: Section 1. The insurance law is amended by adding a new section 2802-a to read as HOMEOWNERS' INSURANCE. WITH RESPECT TO HOMEOWNERS' INSURANCE, AN INSURER SHALL NOT: (A) REFUSE TO UNDERWRITE, CANCEL, OR REFUSE TO RENEW A POLICY BASED WHOLLY OR PARTLY ON THE CREDIT HISTORY OF AN APPLICANT OR INSURED, INCLUDING THE ABSENCE OF OR INABILITY TO DETERMINE CREDIT HISTORY; (B) RATE A RISK BASED WHOLLY OR PARTLY ON THE CREDIT HISTORY OF AN APPLICANT OR INSURED, INCLUDING THE ABSENCE OF OR INABILITY TO DETERMINE CREDIT HISTORY, IN ANY MANNER, INCLUDING: (1) PROVIDING OR REMOVING A DISCOUNT OR IMPOSING OR REMOVING A SURCHARGE; (2) ASSIGNING THE INSURED OR APPLICANT TO A TIER; OR (3) PLACING AN APPLICANT OR INSURED WITH AN AFFILIATED INSURER; OR (C) REQUIRE A PARTICULAR PAYMENT PLAN BASED WHOLLY OR PARTLY ON THE CREDIT HISTORY OF AN APPLICANT OR INSURED, INCLUDING THE ABSENCE OF OR INABILITY TO DETERMINE CREDIT HISTORY. § 2. This act shall take effect immediately. EXPLANATION--Matter in ITALICS …
Sponsors
- Linda Rosenthal (D, 67) · primary sponsor
Latest actions
- : REFERRED TO INSURANCE
Subjects: Insurance Law
Common questions
- What is A11725?
- A11725 is a bill in the New York Legislature (2025-2026 General Assembly): Relates to prohibiting the consideration of credit history in the underwriting, cancellation, renewal or calculation of cost of homeowners' insurance.
- What does A11725 do?
- In its own words: An act to amend the insurance law, in relation to prohibiting insurers from making decisions about the underwriting, cancellation, renewal or calculation of cost of homeowners' insurance based on the credit history of an applicant or an insured.
- What is the status of A11725?
- In committee as of September 16, 2026. Latest action: REFERRED TO INSURANCE (September 16, 2026).
- Who sponsored A11725?
- Linda Rosenthal (D, 67).
- Where is the official record for A11725?
- On the New York Legislature website: https://www.nysenate.gov/legislation/bills/2025/A11725
Source: official New York record. Tracked by Delilah, AI for legislation across all 50 states and Congress.