CaliforniaResidential property insurance: cancellations and nonrenewals.
What it does
Existing law generally regulates classes of insurance, including residential property insurance. Existing law requires an insurer, in the case of a total loss to the primary insured structure under a policy of residential property insurance, for at least the next two annual renewal periods, but no less than 24 months of coverage from the date of the loss, to renew the policy under certain circumstances, including that the total loss to the primary insured structure was caused by a disaster. Existing law prohibits an insurer from canceling or refusing to renew a policy of residential property insurance for a property located in a ZIP Code within or adjacent to a fire perimeter for one year after the declaration of a state of emergency, if the cancellation or nonrenewal is based solely on the fact that the insured structure is located in an area in which a wildfire has occurred.
More detail
This bill would instead require an insurer to renew the policy of residential property insurance, under the above-described circumstances, for at least the next three annual renewal periods, but no less than 36 months of coverage from the date of the loss. The bill would also prohibit an insurer from canceling or refusing to renew a policy of residential property insurance for a property located in a ZIP Code within or adjacent to a fire perimeter for two years after the declaration of a state of emergency.
Where do you stand?
Choose your position
Tell your reps
Take a position to see your representatives and ways to contact them.
Where it stands
- Introduced
- Passed Assembly
- Passed Senate
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Sep 30Chaptered by Secretary of State - Chapter 917, Statutes of 2026.Latest
- Sep 30Approved by the Governor Gavin Newsom.Became Law
- Sep 3Enrolled and presented to the Governor at 4 p.m.To Governor
- Aug 27In Assembly. Ordered to Engrossing and Enrolling.Minor
- Aug 26Read third time. Passed. Ordered to the Assembly. (Ayes 27. Noes 5.).Passed Senate
- Vote recorded 3rd Reading AB2038 Harabedian et al. By Pérez. Result: pass.Upper
- Aug 13Read second time. Ordered to third reading.Minor
- Vote recorded Do pass. Result: pass.Upper
- Aug 13From committee: Do pass. (Ayes 6. Noes 1.) (August 13).Minor
- Jun 29In committee: Referred to APPR. suspense file.Minor
- Vote recorded Placed on suspense file. Result: pass.Upper
- Jun 10From committee: Do pass and re-refer to Com. on APPR. (Ayes 4. Noes 0.) (June 10). Re-referred to Com. on APPR.Minor
- Vote recorded Do pass, but first be re-referred to the Committee on [Appropriations]. Result: pass.Upper
- May 20Referred to Com. on INS.Minor
- May 12In Senate. Read first time. To Com. on RLS. for assignment.Minor
- May 11Read third time. Passed. Ordered to the Senate. (Ayes 53. Noes 9. Page 4991.)Passed Assembly
- Vote recorded AB 2038 Harabedian Assembly Third Reading. Result: pass.Lower
- Apr 30Read second time. Ordered to third reading.Minor
- Apr 29From committee: Do pass. (Ayes 10. Noes 1.) (April 29).Minor
- Vote recorded Do pass. Result: pass.Lower
- Apr 15From committee: Do pass and re-refer to Com. on APPR. (Ayes 13. Noes 3.) (April 15). Re-referred to Com. on APPR.Minor
- Vote recorded Do pass and be re-referred to the Committee on [Appropriations]. Result: pass.Lower
- Mar 17Re-referred to Com. on INS.Minor
- Mar 16From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended.Major
- Mar 16Referred to Com. on INS.Minor
- Feb 18From printer. May be heard in committee March 20.
- Feb 17Read first time. To print.Introduced