All Roll Calls
Yes: 107 • No: 0
Rhode IslandS20112026 Regular SessionSenateWALLET
AN ACT RELATING TO INSURANCE-CASUALTY INSURANCE GENERALLY-LIMITATIONS ON POLICY CANCELLATIONS AND RENEWALS .
Sponsored By: Victoria Gu (Democratic)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Stronger renewal rules and insurer fines
The Insurance Commissioner can set statewide rules for cancelling and renewing personal auto, homeowners, and residential fire policies, including reasons for nonrenewal. Breaking the notice rules is a deceptive trade practice. Each violation can be fined up to $1,000.
Advance notice when auto/home coverage drops
Insurers must warn you at least 30 days before renewal if they cut coverage or raise a deductible you did not ask for. The notice must be titled “NOTICE OF REDUCTION IN COVERAGE” and list each change. It can be sent by mail or email and must be easy to spot. This applies to personal auto liability and property damage, homeowners, and residential fire policies for non‑business use. The Commissioner also sets detailed notice rules. The law shields the state and insurers from liability for statements made in these notices.
Two months’ notice for big homeowner hikes
Beginning September 1, 2026, your insurer must give you two months’ notice before your homeowner renewal premium rises by more than 20%. If the insurer will not renew your homeowner policy, it must also give at least two months’ notice before it ends. This gives you time to shop or line up other coverage.
Sponsors & Cosponsors
Sponsor
Victoria Gu
Democratic • Senate
Cosponsors
Samuel W. Bell
Democratic • Senate
Jacob Bissaillon
Democratic • Senate
Robert Britto
Democratic • Senate
John P. Burke
Democratic • Senate
Alana M. DiMario
Democratic • Senate
Hanna M. Gallo
Democratic • Senate
Meghan E. Kallman
Democratic • Senate
Tiara T. Mack
Democratic • Senate
V. Susan Sosnowski
Democratic • Senate
Roll Call Votes
House vote • 6/8/2026
INS. POLICY CANCEL & RENEWALS PASSAGE IN CONCURRENCE
Yes: 69 • No: 0
Senate vote • 5/12/2026
INSURANCE--LIMITATIONS ON POLICY CANCELLATIONS AND RENEWALS Passage
Yes: 38 • No: 0
Actions Timeline
Signed by Governor — Chapter 391
6/19/2026GovernorTransmitted to Governor
6/16/2026GovernorHouse passed Sub A in concurrence
6/8/2026HousePlaced on the House Consent Calendar (06/08/2026)
6/5/2026HouseCommittee recommends passage of Sub A in concurrence
5/26/2026Scheduled for consideration (05/26/2026)
5/22/2026Referred to House Corporations
5/13/2026HouseSenate passed Sub A
5/12/2026SenatePlaced on Senate Calendar (05/12/2026)
5/6/2026SenateCommittee recommends passage of Sub A
5/5/2026Proposed Substitute
5/4/2026Scheduled for consideration (05/05/2026)
5/1/2026Committee recommended Substitute A be held for further study
4/28/2026Committee recommended indefinite postponement
4/28/2026Proposed Substitute
4/27/2026Scheduled for consideration (04/28/2026)
4/24/2026Committee recommended measure be held for further study
3/31/2026Scheduled for hearing and/or consideration (03/31/2026)
3/27/2026Introduced, referred to Senate Commerce
1/9/2026Senate
Bill Text
S2011 - As Introduced
1/9/2026
S2011 - Substitute
1/9/2026
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