US Edition
California bill would require insurance protections for fire-hardened homes
The bill empowers the insurance commissioner to penalize noncompliant insurers and follows a 230% increase in policies by the FAIR Plan, California's insurer of last resort.
- On Feb. 18, 2026, State Sen. Sasha Renée Pérez introduced the Insurance Coverage for Fire-Safe Homes Act, SB 1076, requiring insurers to cover homes meeting wildfire-safety standards set by State Insurance Commissioner Ricardo Lara.
- After insurers cited fire risk and withdrew from California markets, wildfire survivors fear losing coverage despite rebuilding to high resilience standards, pushing many policies onto the FAIR Plan.
- Safety standards require home-hardening measures like sprinklers, enclosing eaves, and a five-foot defensible space, while studies from the National Association of Insurance Commissioners, CalFire, and University of California Berkeley show mitigation cuts fire risk.
- Supporters argue the bill would empower the Insurance Commissioner to bar insurers that refuse to comply from both markets for five years, helping wildfire survivors rebuild homes.
- Public support is strong—over 870 in support, with Consumer Watchdog backing related insurance bills this year, amid wider legislative efforts.
14 Articles
14 Articles
Los Angeles Times
consumerwatchdog.orgState bill would mandate insurance for homeowners who reduce wildfire risks
State legislation introduced Wednesday would require insurers to offer California homeowners insurance if they take steps to reduce wildfire risk on their properties.
Daily Bulletin
California bill would require insurance protections for fire-hardened homes
A new state Senate bill aims to guarantee homeowners insurance protections for their wildfire-hardened homes. State Sen. Sasha Renée Pérez, D-Pasadena, who has worked to bring more transparency to the insurance claims process for survivors of last year’s wildfires, has proposed Senate Bill 1076. Known as the Insurance Coverage for Fire-Safe Homes Act, it would require insurance companies to offer or renew insurance for properties that meet wildf…
New Bill Requires Insurance Companies to Offer and Renew Insurance Coverage for Fire-Safe Homes, Says Consumer Watchdog
/PRNewswire/ -- New legislation introduced by Senator Sasha Renée Pérez - the Insurance Coverage for Fire-Safe Homes Act, SB 1076 - will ensure homeowners who...
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