Home insurers must give 90 days' notice and detailed reasons before dropping a policy
Home insurers must send nonrenewal notices at least 90 days ahead instead of 75, explain the reasons in plain language and give time to fix problems. They may not drop a policy over certain claims, coverage questions, or roof age if an inspection shows 5 years left.
Who it affects
Home insurers and residential policyholders
When
This law takes effect on January 1, 2027; the changes described here start on January 1, 2028.
- : Signed into law
- : Law takes effect
- : The changes described here start to apply
- : Insurers file first annual report on fixable-problem nonrenewal notices
Official text
California SB 1301: Residential property insurance: 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.