All Roll Calls
Yes: 71 • No: 30
IdahoH 05622026 regular legislative sessionHouseWALLET
INSURANCE – Amends existing law to revise provisions regarding cancellation and nonrenewal of certain policies.
Sponsored By: BUSINESS COMMITTEE
Signed by Governor
INSURANCE
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
60-day notice for homeowner fire policies
The law requires at least 60 days’ written notice before canceling a standard fire policy, and it must state the reason. If the cancellation is for nonpayment, the insurer must give at least 10 days’ notice; if mailed, the 10 days start five days after the postmark. For nonrenewal, the insurer must give at least 60 days’ written notice. If the notice is mailed less than 60 days before the policy ends, coverage remains in effect until 60 days after the notice.
60-day notice before ending business coverage
The law gives businesses more time before certain commercial policies end. After a policy is in force 60 days or at renewal, cancellations for reasons other than nonpayment need at least 60 days’ written notice. Cancellations for nonpayment need at least 10 days’ notice; if mailed, the 10 days start five days after the postmark. For nonrenewals, the insurer must send written notice at least 60 days before expiration to the first‑named insured. If that notice is mailed late, coverage stays in place until 60 days after the notice, and premium for the extra time is pro rata.
Rules apply only to new policies
The new 60‑day notice rules apply only to policies that start after this law takes effect. Policies that began earlier keep the old notice timing. The law does not change past or current obligations on policies already in force.
Sponsors & Cosponsors
Sponsor
BUSINESS COMMITTEE
Affiliation unavailable
Cosponsors
James D. Ruchti
Democratic • Senate
Mark Sauter
Republican • House
Roll Call Votes
House vote • 3/24/2026
House Floor Vote
Yes: 20 • No: 13
House vote • 3/5/2026
House Floor Vote
Yes: 51 • No: 17
Actions Timeline
Reported Signed by Governor on March 27, 2026 Session Law Chapter 201 Effective: 01/01/2027
3/30/2026Returned Signed by the President; Ordered Transmitted to Governor
3/26/2026HouseReported Enrolled; Signed by Speaker; Transmitted to Senate
3/25/2026HouseRead third time in full – PASSED - 20-13-2
3/24/2026HouseRead second time; filed for Third Reading
3/19/2026HouseReported out of Committee with Do Pass Recommendation; Filed for second reading
3/18/2026HouseReceived from the House passed; filed for first reading
3/6/2026SenateRead third time in full as amended – PASSED - 51-17-2
3/5/2026HouseU.C. to hold place on third reading calendar one legislative day
3/4/2026HouseRead second time as amended; Filed for Third Reading
3/3/2026HouseReported Engrossed; Filed for First Reading of Engrossed Bills
3/2/2026HouseReferred to the Committee of the Whole
2/27/2026HouseReported out of Committee, Recommend place on General Orders
2/26/2026HouseReported Printed and Referred to Business
2/2/2026HouseIntroduced, read first time, referred to JRA for Printing
1/30/2026House
Bill Text
Amendment
Bill Text
Engrossment 1
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