§ 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.