Residential property insurance: home hardening.
Vote required
Majority
Fiscal committee
No
Appropriation
No
Current location
Insurance
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Assembly
- Passed Senate
- To Governor
- Became Law
Overview
This bill requires insurance companies in California to offer two premium quotes when a homeowner requests a quote for residential property insurance. One quote will reflect the cost of insurance if the property has been certified as ‘hardened’ through a program approved by the State Fire Marshal, and the other will be the standard quote without the hardening certification. The goal is to incentivize homeowners to take steps to protect their homes from wildfires by offering lower insurance rates for properties that meet specific hardening standards.
Key provisions
- Insurers must provide two premium quotes for residential property insurance.
- One quote includes the cost of insurance for ‘hardened’ properties.
- ‘Hardened’ properties are certified by programs approved by the State Fire Marshal.
- The bill applies to policies specified in Section 675.
- It establishes a new section (679.91) in the Insurance Code.
Who is affected
- Homeowners
- Insurance Companies
- State Fire Marshal
- Contractors (involved in home hardening programs)
Notable changes
- Requires insurers to offer a premium quote for ‘hardened’ properties.
Bill text
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Sponsors
Official sponsors from legislative records.
9 on record
Primary sponsor
Cosponsors
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