N.Y. Insurance Law § 3429-a: Geographical location of risks in area serviced by a volunteer fire department; fire, fire and extended coverage policies

§ 3429-a. Geographical location of risks in area serviced by a

volunteer fire department; fire, fire and extended coverage policies.

(a) No insurer shall refuse to issue or renew or shall cancel a

homeowner's insurance policy including fire insurance or fire and

extended coverage insurance based solely on the insured residing in an

area that is serviced by a volunteer fire department. Such prohibition

shall not preclude an insurer from refusing to issue or renew or from

canceling such policies based on sound underwriting and actuarial

principles reasonably related to actual or anticipated loss experience

subject to the applicable provisions of section three thousand four

hundred twenty-five of this article.

(b) The superintendent shall by regulation establish procedures with

respect to notification to insureds of the insurer's specific reason or

reasons for refusal to issue or renew or for cancellation of such

policy.