2015 New York Laws
ISC - Insurance
Article 23 - (Insurance) PROPERTY/CASUALTY INSURANCE RATES
2346 - Reduction in rates of fire insurance or homeowners insurance premiums for residential property.

  2346.  Reduction in rates of fire insurance or homeowners insurance
  premiums for residential property. 1. The superintendent may provide for
  a reduction in  the  rates  of  fire  insurance  premiums  or  the  fire
  insurance  component  of  homeowners  insurance  premiums  applicable to
  residential real property equipped with smoke detecting  alarm  devices,
  approved sprinkler systems or fire extinguishers, should a statistically
  valid  study  of  insurer experience indicate an actuarially significant
  decrease in losses in the aforementioned circumstances.  The  reductions
  provided   for  shall  be  proportionally  related  to  the  actuarially
  calculable decrease in losses in the aforementioned circumstances.
2. The superintendent may provide for a  reduction  in  the  rates  of
  homeowners  insurance  premiums  applicable to residential real property
  equipped with dead-bolt locks, should a  statistically  valid  study  of
  insurer  experience  indicate  an  actuarially  significant  decrease in
  losses attributable to the use of  such  a  device.  The  superintendent
  shall  by regulation establish standards for dead-bolt locks for which a
  reduction  may  be  approved.  The  reductions  provided  for  shall  be
  proportionally  related to the actuarially calculable decrease in losses
  attributable to the use of such a device.
3. The superintendent shall provide  for  an  actuarially  appropriate
  reduction  in  the rates of homeowner's insurance premiums applicable to
  residential real property fitted  or  retrofitted  with  hurricane/storm
  shutters.    The  superintendent shall by regulation establish standards
  for hurricane/storm shutters, including the safe and secure installation
  thereof.
4. The superintendent shall provide  for  an  actuarially  appropriate
  reduction  in  the rates of homeowner's insurance premiums applicable to
  residential real property fitted or retrofitted with hurricane resistant
  laminated  glass  windows  or  doors.    The  superintendent  shall   by
  regulation  establish  standards for hurricane resistant laminated glass
  windows and doors, including the safe and secure installation thereof.