AZ SB1788

Requires insurers to disclose all coverage exclusions, premium factors (including risk scores and aerial/satellite imagery), and available discounts for property improvements before issuing or renewing homeowner's or renter's insurance policies.

Prohibits insurers from using aerial or satellite imagery older than 180 days for underwriting or rating purposes and requires providing all images used to applicants or insureds upon request.

Mandates at least 60 days' written notice before reducing coverage or imposing premium increases greater than 10%, including an explanation for the change.

During a governor-declared state of emergency following a natural disaster or wildfire, prohibits insurers from refusing to renew policies for 12 months or canceling policies for nonpayment for 60 days within the affected area.

Extends the notice period for policy nonrenewal from 30 to 60 days and prohibits insurers from using any types of credit history to calculate insurance scores for determining premiums, effective for contracts entered into or modified after December 31, 2026.