All Roll Calls
Yes: 115 • No: 0
CaliforniaAB 2342025-2026 Regular SessionHouseWALLET
California FAIR Plan Association governing committee.
Sponsored By: Lisa Calderon (Democratic)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 3 benefits, 0 costs, 1 mixed.
FAIR Plan help if you can’t get insurance
Insurers must set up the California FAIR Plan within 30 days of the law taking effect. If you cannot get basic property insurance after a diligent effort in the normal market, you can apply to the FAIR Plan for basic coverage. This gives homeowners in hard-to-insure areas a way to get insured.
FAIR Plan funding, limits, and cost‑sharing rules
With the Insurance Commissioner’s approval, the FAIR Plan can assess all member insurers to fund operations. The Plan can set maximum coverage limits and underwriting rules to decide if a risk is insurable. It sets the commission paid to the licensed producer named by the applicant. When sharing costs among insurers, it cannot count premiums from auto insurance, commercial farm commodities or livestock, or farm equipment.
Who runs the California FAIR Plan
A nine‑insurer governing committee runs the FAIR Plan. Four nonvoting members are appointed by the Governor: one each for agents, brokers, surplus line brokers, and the public. The Assembly Speaker and the Senate Rules Chair are nonvoting ex officio members and may name a designee. This adds industry, public, and legislative voices to oversight.
All property insurers must back FAIR Plan
Any insurer that sells basic property insurance in California must join and support the FAIR Plan. Joining is required to keep their authority to sell that insurance. This helps keep FAIR Plan coverage available for people denied elsewhere.
Sponsors & Cosponsors
Sponsor
Lisa Calderon
Democratic • House
Cosponsors
Mike Gipson
Democratic • House
Roll Call Votes
Senate vote • 9/12/2025
Item 20 — Senate SFLOOR
Yes: 28 • No: 0
legislature vote • 6/25/2025
Vote in CS70
Yes: 5 • No: 0
House vote • 4/7/2025
Item 38 — Assembly AFLOOR
Yes: 66 • No: 0
legislature vote • 4/2/2025
Vote in CX28
Yes: 16 • No: 0
Actions Timeline
Chaptered by Secretary of State - Chapter 474, Statutes of 2025.
10/9/2025SenateApproved by the Governor.
10/9/2025legislatureEnrolled and presented to the Governor at 3 p.m.
9/24/2025legislatureIn Assembly. Ordered to Engrossing and Enrolling.
9/13/2025HouseRead third time. Urgency clause adopted. Passed. Ordered to the Assembly. (Ayes 28. Noes 0. Page 3003.).
9/12/2025SenateRead second time. Ordered to third reading.
6/26/2025SenateFrom committee: Do pass. (Ayes 5. Noes 0.) (June 25).
6/25/2025SenateReferred to Com. on INS.
5/7/2025SenateIn Senate. Read first time. To Com. on RLS. for assignment.
4/7/2025SenateRead third time. Urgency clause adopted. Passed. Ordered to the Senate. (Ayes 64. Noes 0. Page 1034.).
4/7/2025HouseRead second time. Ordered to third reading.
4/3/2025HouseFrom committee: Do pass. (Ayes 16. Noes 0.) (April 2).
4/2/2025HouseCoauthors revised.
4/2/2025HouseReferred to Com. on INS.
2/10/2025HouseFrom printer. May be heard in committee February 13.
1/14/2025HouseRead first time. To print.
1/13/2025House
Bill Text
Chaptered
10/9/2025
Enrolled
9/16/2025
Introduced
1/13/2025