Wildfire-area home insurance protection grows to two years, with three renewals after a loss
For two years after an emergency is declared, up from one, insurers may not cancel or refuse to renew home policies in or next to a wildfire perimeter solely because the fire happened there. After a disaster total loss, insurers must renew at least three times, up from two.
Who it affects
Homeowners in wildfire areas and their insurers
When
This law takes effect on January 1, 2027. California laws take effect on January 1 of the year after they are signed, unless the law says otherwise.
- : Signed into law
- : This law takes effect
Official text
California AB 2038: Residential property insurance: cancellations and nonrenewals.
On California Legislative Information. The official text is what counts; read it before you act.
Not legal advice. Plain-English summaries to help you find what changes and when. Not legal advice: read the official text, and ask a lawyer about your situation.