On this page
Property and casualty rate, rule and form filings in New York are reviewed by the New York State Department of Financial Services. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | New York State Department of Financial Services |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Medical professional liability, Inland marine, Farmowners, Homeowners and auto combination |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in New York, each linked to the official text.
- N.Y. Insurance Law 2344 and 11 NYCRR 161.4 to 161.6 - Flexible ratingStatute
- N.Y. Insurance Law §2305 — Rates or rating plans; no prior approval; prior approvalHomeowners · Statute
- DFS Rate Filing Sequence Checklist and detailed instructionsDepartment guidance
- N.Y. Insurance Law §2304 — Rate standardsHomeowners · Statute
- DFS Rate Filing Sequence ChecklistMedical professional liability · Department guidance
- Supplement No. 4 to DFS Circular Letter No. 11 (1998), mandatory Rate Filing Sequence ChecklistMedical professional liability · Department guidance
How to search New York's public rate and form filings
- The Department of Financial Services' FOIL listing of agency records points to the NAIC SERFF State Filing Access website for property/casualty rate, rule and form filings closed and submitted on or after January 1, 2010. Source
- DFS does not let a company mark a whole filing confidential, except where the Insurance Law allows it, for example for credit scoring models. Source
- The law DFS cites for confidentiality requests exempts records that contain trade secrets or whose release would cause competitive injury. Source
- Filings relating to credit information are not subject to disclosure under New York's Public Officers Law. Source
Start from the department's page: New York State Department of Financial Services.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- N.Y. Insurance Law 2344 and 11 NYCRR 161.4 to 161.6 - Flexible ratingStatute
- DFS Circular Letter No. 4 (1996) - Individually rated risksCircular
- Supplements No. 4 and No. 5 to DFS Circular Letter No. 11 (1998)Circular
- DFS property insurer filing instructionsDepartment guidance
- DFS Rate Filing Sequence Checklist and detailed instructionsDepartment guidance
Last reviewed
Homeowners
New York sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- N.Y. Insurance Law §2304 — Rate standardsStatute
- N.Y. Insurance Law §2305 — Rates or rating plans; no prior approval; prior approvalStatute
- N.Y. Insurance Law §2307 — Policy forms, classifications and territoriesStatute
- N.Y. Insurance Law §2310 — Informational filingsStatute
- N.Y. Insurance Law §2351 — Homeowners availability and multi-tier programsStatute
- 11 NYCRR 161 (Regulation 129) — Rate and rating plan requirementsRegulation
Last reviewed
Personal auto
New York sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- N.Y. Insurance Law 2335 and 11 NYCRR 169 (Regulation 100) - Merit rating surchargesStatute
- N.Y. Insurance Law 5102 and 5103 and 11 NYCRR 65 (Regulation 68) - No-fault first party benefitsStatute
- 11 NYCRR 161.8 and 161.12 (Regulation 129) - Rating plans and individual risk rating in personal linesRegulation
- N.Y. Insurance Law 2349 and 11 NYCRR 154 (Regulation 150) - Multi-tier rating programsRegulation
- DFS Private Passenger Automobile Review Standards Checklist (09/2020)Department guidance
- DFS Private Passenger Automobile Review Standards Checklist - payment plans, service charges and minimum premium rulesDepartment guidance
Last reviewed
Property and dwelling fire
New York sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- N.Y. Insurance Law article 54 - New York Property Insurance Underwriting AssociationStatute
- 11 NYCRR 161.12 (Regulation 129) - Individual risk rating routes in opposite directions by risk classRegulation
- 11 NYCRR 161.8 (Regulation 129) - Rating plans reach commercial property and not personal lines propertyRegulation
Last reviewed
Medical professional liability
New York sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- New York DFS property insurer filing instructionsStatute
- DFS Rate Filing Sequence ChecklistDepartment guidance
- Supplement No. 4 to DFS Circular Letter No. 11 (1998), mandatory Rate Filing Sequence ChecklistDepartment guidance
Last reviewed
Inland marine
New York sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- N.Y. Insurance Law section 2307(e) - Inland marine form filing exemptionStatute
- N.Y. Insurance Law section 2309 - Excess rateStatute
- N.Y. Insurance Law section 2310 - Inland marine rate filing treatmentStatute
- N.Y. Insurance Law section 3452 - Group property travel insuranceStatute
- DFS Circular Letter No. 22 (2000) - Marine and Inland Marine InsuranceCircular
Last reviewed
Farmowners
New York sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- DFS Private Passenger Automobile Review Standards Checklist (09/2020)Department guidance
- DFS property insurer filing instructions for rate and form filingsDepartment guidance
- N.Y. Insurance Law §2305Department guidance
- N.Y. Insurance Law §2310Department guidance
Last reviewed
Homeowners and auto combination
New York sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- DFS Private Passenger Automobile Review Standards Checklist (09/2020)Department guidance
- DFS property insurer filing instructions for rate and form filingsDepartment guidance
- N.Y. Insurance Law §2305Department guidance
- N.Y. Insurance Law §2310Department guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the New York State Department of Financial Services before you file. All states