# 119-hr-4504: INSURE Act

119-hr-4504, INSURE Act, is a 119th Congress bill sponsored by Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-10-08).

- Canonical: https://policyrisk.com/legislation/119-hr-4504
- As of: 2026-10-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4504
- Congress: 119
- Title: INSURE Act
- Status: introduced
- Introduced: 2025-07-17
- Sponsor: Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA)
- Cosponsors: 8
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-08

## Summary

**This bill would create a federal catastrophe reinsurance program** that backs qualifying primary property insurers through a new Federal Catastrophe Reinsurance Fund and a phased-in all-perils coverage plan to lower insured losses from disasters.

## Cosponsors (8)

- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2026-10-06T00:00:00.000Z
- Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Wasserman Schultz, Debbie [D-FL-25] (D-FL), 2025-07-17T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2025-10-03T00:00:00.000Z
- Rep. Lofgren, Zoe [D-CA-18] (D-CA), 2025-10-28T00:00:00.000Z
- Rep. Huffman, Jared [D-CA-2] (D-CA), 2026-01-15T00:00:00.000Z
- Rep. Levin, Mike [D-CA-49] (D-CA), 2026-09-01T00:00:00.000Z

## Provisions PRIA read

- Federal backstop for disaster insurance: benefit, high. This bill would set up a federal reinsurance fund within four years to backstop big property losses from disasters. Coverage would phase in by peril: wind and hurricane by January 1 of the year beginning four years after enactment; severe storms and wildfire by year five; flood by year six; and ear…
- Five-year property insurance price stability: mixed, medium. This bill would create a pilot for property insurance policies that last at least five years and cover all perils. Insurers could raise premiums only for construction cost indexes, changes in home value, or optional coverages you choose. They could not raise premiums just because they change their…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025

## Sources
- [119-hr-4504 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4504)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4504 (as of 2026-10-08).