California SB1076 mandates residential property insurance coverage and sets standards for insurers.

California SB1076 requires admitted insurers to provide residential property insurance coverage equivalent to their most commonly offered policies. Starting January 1, 2028, insurers may refuse to offer, sell, or renew policies if the applicant or insured does not meet general underwriting guidelines. Insurers may also refuse coverage if properties meet minimum home hardening and wildfire mitigation standards. The commissioner can grant temporary waivers for insurers in geographic areas with overconcentration of risk.

California SB1076 mandates residential property insurance coverage and sets standards for insurers.

California SB1076 requires admitted insurers to provide residential property insurance coverage equivalent to their most commonly offered policies. Starting January 1, 2028, insurers may refuse to offer, sell, or renew policies if the applicant or insured does not meet general underwriting guidelines. Insurers may also refuse coverage if properties meet minimum home hardening and wildfire mitigation standards. The commissioner can grant temporary waivers for insurers in geographic areas with overconcentration of risk.