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CaliforniaSB 4952025-2026 Regular SessionSenateWALLET

Fire insurance.

Sponsored By: Benjamin Allen (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 0 costs, 1 mixed.

More help for disaster-hit homeowners

Beginning July 1, 2026, if your home is a total loss, you can rebuild or buy elsewhere and still get building‑code and replacement‑cost benefits. The payout cannot exceed what it would cost to rebuild at the original site, and the insurer cannot deduct the value of new land. After a declared state of emergency, you can combine limits from your dwelling, other structures, and needed rebuild expenses to finish the main home. Other structures are valued at full replacement cost even if you do not rebuild them. For a furnished primary home that is a total loss in a declared emergency, your insurer must offer at least 60% of your contents limit upfront, capped at $350,000, without an itemized list; you can itemize later for more up to your limit. You get at least 36 months after a declared emergency loss (12 months otherwise) to collect full replacement cost, with required six‑month extensions for good cause. In declared emergencies, insurers cannot require proof of loss before 100 days and must give extra three‑month extensions for good cause.

New reinsurance reporting and public data

By March 1, 2026 and each year after, admitted insurers with $50 million or more in prior‑year premiums for certain property lines must report reinsurance placement and catastrophe‑model use. Holding company systems may file one consolidated report, and insurers must answer the commissioner’s follow‑up questions promptly. The department keeps company‑level data confidential and not subject to the Public Records Act or subpoenas, and staff cannot testify about report contents. The Insurance Commissioner posts an aggregated public report each year that hides company identities. Missing reports can trigger fines up to $5,000 per 30 days (up to $10,000 if willful), capped at $100,000, with a possible 30‑day extension and appeal rights. The commissioner can set report formats and adopt rules to run the program.

Sponsors & Cosponsors

Sponsor

  • Benjamin Allen

    Democratic • Senate

Cosponsors

  • John Harabedian

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 203 • No: 21

Senate vote • 9/13/2025

Item 171 — Senate SFLOOR

Yes: 28 • No: 6

House vote • 9/13/2025

Item 31 — Assembly AFLOOR

Yes: 78 • No: 0

legislature vote • 8/29/2025

Vote in CX25

Yes: 14 • No: 0

legislature vote • 7/15/2025

Vote in CX13

Yes: 12 • No: 0

legislature vote • 7/9/2025

Vote in CX28

Yes: 15 • No: 0

Senate vote • 6/3/2025

Item 57 — Senate SFLOOR

Yes: 28 • No: 10

legislature vote • 5/23/2025

Vote in CS61

Yes: 5 • No: 1

legislature vote • 5/12/2025

Vote in CS61

Yes: 7 • No: 0

legislature vote • 4/29/2025

Vote in CS53

Yes: 11 • No: 2

legislature vote • 4/23/2025

Vote in CS70

Yes: 5 • No: 2

Actions Timeline

  1. Chaptered by Secretary of State. Chapter 542, Statutes of 2025.

    10/10/2025Senate

  2. Approved by the Governor.

    10/10/2025legislature

  3. Enrolled and presented to the Governor at 2 p.m.

    9/23/2025legislature

  4. Assembly amendments concurred in. (Ayes 28. Noes 6. Page 3062.) Ordered to engrossing and enrolling.

    9/13/2025Senate

  5. In Senate. Concurrence in Assembly amendments pending.

    9/13/2025Senate

  6. Read third time. Passed. (Ayes 78. Noes 0. Page 3450.) Ordered to the Senate.

    9/13/2025House

  7. Joint Rule 61(a)(14) and 51(a)(4) suspended. (Ayes 59. Noes 20. Page 3413.)

    9/13/2025House

  8. Read second time. Ordered to third reading.

    9/2/2025House

  9. From committee: Do pass. (Ayes 14. Noes 0.) (August 29).

    8/29/2025House

  10. August 20 set for first hearing. Placed on APPR. suspense file.

    8/20/2025House

  11. Read second time and amended. Re-referred to Com. on APPR.

    7/17/2025House

  12. From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 12. Noes 0.) (July 15).

    7/16/2025House

  13. Read second time and amended. Re-referred to Com. on JUD.

    7/10/2025House

  14. From committee: Do pass as amended and re-refer to Com. on JUD. (Ayes 15. Noes 0.) (July 9).

    7/9/2025House

  15. Referred to Coms. on INS. and JUD.

    6/9/2025House

  16. In Assembly. Read first time. Held at Desk.

    6/4/2025House

  17. Read third time. Passed. (Ayes 28. Noes 10. Page 1456.) Ordered to the Assembly.

    6/3/2025Senate

  18. Read second time. Ordered to third reading.

    5/23/2025Senate

  19. From committee: Do pass. (Ayes 5. Noes 1. Page 1202.) (May 23).

    5/23/2025Senate

  20. Set for hearing May 23.

    5/16/2025Senate

  21. May 12 hearing: Placed on APPR. suspense file.

    5/12/2025Senate

  22. Set for hearing May 12.

    5/2/2025Senate

  23. From committee: Do pass and re-refer to Com. on APPR. (Ayes 11. Noes 2. Page 941.) (April 29). Re-referred to Com. on APPR.

    4/30/2025Senate

  24. From committee: Do pass and re-refer to Com. on JUD. (Ayes 5. Noes 2. Page 869.) (April 23). Re-referred to Com. on JUD.

    4/24/2025Senate

  25. Set for hearing April 29 in JUD. pending receipt.

    4/9/2025Senate

Bill Text

  • Chaptered

    10/10/2025

    HTML

  • Enrolled

    9/17/2025

    HTML

  • Amended Assembly

    7/17/2025

    HTML

  • Amended Assembly

    7/10/2025

    HTML

  • Amended Senate

    3/26/2025

    HTML

  • Introduced

    2/19/2025

    HTML

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