CA SB523

Authorizes insurers to differentiate between internal fire risk and external fire risk when determining coverage under homeowners' insurance policies

Defines "external fire" as a fire originating outside the insured property, including wildfires or fires spreading from neighboring properties

Defines "internal fire" as a fire originating within the insured property, including kitchen fires, electrical fires, or fires caused by negligence on the property

Amended version removes previous provisions that would have established a California Earthquake Authority commission to study expanding disaster insurance programs