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CA SB1076
Bill
Status
Introduced
2/13/2026
Primary Sponsor
Sasha Renee Perez
Click for details
AI Summary
- Starting January 1, 2028, admitted insurers offering residential property insurance in California cannot refuse to offer, sell, or renew policies for properties that meet minimum home hardening and wildfire mitigation standards established by the Insurance Commissioner
- Coverage offered to qualifying properties must be equivalent in scope to the insurer's most commonly sold residential property insurance in the state
- Insurers may apply for temporary waivers in specific geographic areas by demonstrating overconcentration of risk, subject to public hearings and consumer participation; waivers must be renewed every six months and do not permit non-renewal of existing policies
- Insurers that habitually violate these requirements or choose to exit the residential property insurance market rather than comply will have their certificate of authority (including affiliated insurers) suspended or revoked for five years for both residential property and automobile insurance
- The Insurance Commissioner must adopt regulations defining "minimum home hardening and wildfire mitigation standards" and "overconcentration of risk" through the Administrative Procedure Act
Legislative Description
Admitted insurers: residential property insurance.
Last Action
Referred to Com. on INS.
2/26/2026
Committee Referrals
Insurance2/26/2026
Rules2/13/2026
Full Bill Text
No bill text available