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
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
More notice for home fire insurance
Beginning July 1, 2026, your insurer must give 60 days’ written notice, with the reason, before canceling a standard fire policy. 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 60 days’ written notice, with the reason. If nonrenewal notice is mailed late, coverage stays in force until 60 days after the notice. Proof of mailing counts as proof of notice. These rules apply to policies with coverage effective on or after July 1, 2026.
Stronger notice rules for business insurance
Beginning July 1, 2026, insurers must give at least 60 days' written notice before canceling covered commercial policies for reasons other than nonpayment. Cancellation for nonpayment still requires at least 10 days' written notice. For nonrenewals, insurers must give at least 60 days' written notice before the policy ends. If nonrenewal notice is sent late, coverage stays in force until 60 days after the notice. You owe a pro rata premium for any extra coverage time, based on last year’s rate. These rules apply to policies with coverage effective on or after July 1, 2026.
Sponsors & Cosponsors
Sponsor
BUSINESS COMMITTEE
Affiliation unavailable
Cosponsors
James D. Ruchti
Democratic • Senate
Mark Sauter
Republican • House
Roll Call Votes
Senate vote • 3/24/2026
Senate 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
3/30/2026Delivered to Governor at 12:58 p.m. on March 26, 2026
3/26/2026Returned Signed by the President; Ordered Transmitted to Governor
3/26/2026SenateSigned by President; returned to House
3/25/2026SenateReceived from the House enrolled/signed by Speaker
3/25/2026SenateReported Enrolled; Signed by Speaker; Transmitted to Senate
3/25/2026HouseReturned from Senate Passed; to JRA for Enrolling
3/24/2026HouseRead third time in full – PASSED - 20-13-2
3/24/2026SenateRead second time; filed for Third Reading
3/19/2026SenateReported out of Committee with Do Pass Recommendation; Filed for second reading
3/18/2026SenateIntroduced, read first time; referred to: Commerce & Human Resources
3/6/2026SenateReceived 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
3/3/2026HouseRead first time as amended; filed for Second Reading
3/2/2026HouseReported Engrossed; Filed for First Reading of Engrossed Bills
3/2/2026HouseBill as Amended Referred to JRA for Engrossing
2/27/2026HouseAmendments Referred to the JRA for Printing
2/27/2026HouseReported out without recommendation as amended
2/27/2026HouseReferred 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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