N.Y. Insurance Law Section 3430
Right of insured, agent or broker aggrieved on basis of geographical location of property or risks

(a)

An insured aggrieved by an inability to obtain:

(1)

homeowner’s insurance, including fire insurance or fire and extended coverage insurance, other than from the New York property insurance underwriting association, or

(2)

automobile insurance subject to § 3425 (Certain property/casualty insurance policies)section three thousand four hundred twenty-five of this article, other than through the New York automobile insurance plan, from any insurer or through any insurance agent or broker because of the geographical location of the risk or property within the state or a licensed agent or broker whose contract or account was terminated or not renewed because of the geographical location of the agent or broker or the geographical location of the risks within the state for which coverage is afforded through the agent or broker and the grievance was not the result of the application of sound underwriting and actuarial principles reasonably related to actual or anticipated loss experience may file a complaint to that effect with the superintendent on a form prescribed by him.

(b)

The superintendent shall investigate the complaint pursuant to rules and regulations promulgated by him. In addition to any other power or procedure authorized by this chapter, the superintendent may require the physical inspection of the risk or property or hold a hearing, or both, for the purpose of assisting him in his determination of the issues raised by the complaint.

Source: Section 3430 — Right of insured, agent or broker aggrieved on basis of geographical location of property or risks, https://www.­nysenate.­gov/legislation/laws/ISC/3430 (updated Sep. 22, 2014; accessed Nov. 29, 2025).

3401
Insurable interest in property 3402
Executory contract not a change in interest, title or possession 3404
Fire insurance contracts 3405
Fire insurance contract 3406
Copy of examination of insured to be delivered to insured 3407
Property insurance 3407–A
Property/casualty insurance contract and policy standard provisions 3408
Fire insurance 3409
Distribution of hazardous material report forms 3410
Fire insurance contract 3411
Automobile physical damage insurance covering private passenger automobiles 3412
Automobile physical damage insurance covering private passenger automobiles 3413
Standard claim forms for fire losses 3414
Reports by insurers of certain casualty loss on property owned or operated by religious organizations 3415
Supplemental claim form to be submitted for certain fire loss claims in excess of ten thousand dollars in a city with a population of one... 3416
Parametric insurance 3420
Liability insurance 3421
Homeowners’ liability insurance 3422
Hate crimes 3425
Certain property/casualty insurance policies 3426
Commercial lines insurance 3427
Gap insurance 3428
Cancellation of insurance contracts 3429
Geographical location of risks 3429–A
Geographical location of risks in area serviced by a volunteer fire department 3430
Right of insured, agent or broker aggrieved on basis of geographical location of property or risks 3431
Immunity 3432
Immunity 3433
Termination of contracts or accounts of licensed agents or brokers 3434
Motor vehicle insurance policies 3435
Group property/casualty insurance 3435–A
Motor vehicle insurance policies 3436
Medical malpractice insurance 3436*2
Group credit unemployment insurance and individual credit unemployment insurance 3436–A
Adverse action against legal reproductive health care or gender-affirming care 3437
Credit insurance for in-vitro fertilization or intrauterine insemination 3439
Reinsurance contracts excepted 3440
Insurance covering private passenger motor vehicles 3442
Credit card, debit card, or checking account group policies 3443
Workers’ compensation and employers’ liability insurance 3444
Flood insurance notice 3445
Windstorm insurance notice 3446
Product or system group insurance policies 3447
Qualification of environmental remediation insurance for tax credit 3448
Involuntary unemployment insurance policies 3449
Wireless communications equipment insurance policies 3450
Insurance for expenses incurred as a result of an act or threatened act of violence 3451
Identity theft group insurance policies 3451*2
Regulations 3452
Group property travel insurance policies 3453
Group policy for service providers listed in a commercial directory 3453*2
Self-service storage company group insurance policies 3453*3
Employer sponsored group personal excess insurance 3454
Sponsored group personal insurance 3455
Transportation network company group insurance policies 3456
Prohibition against cancellation of policy when motor vehicle is used or operated through a transportation network company program 3457
Group insurance policies for certain for hire motor vehicles 3458
Electronic notices and documents 3458*2
Group insurance for peer-to-peer car sharing programs 3459
Car share exclusions for motor vehicle insurance policies 3460
Prohibition against cancellation of policy when motor vehicle is used or operated through a peer-to-peer car sharing program 3461
Notice of claim 3462
Affordable housing underwriting and rating
Green check means up to date. Up to date

Verified:
Nov. 29, 2025

Last modified:
Sep. 22, 2014

§ 3430. Right of insured, agent or broker aggrieved on basis of geographical location of property or risks's source at nysenate​.gov

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