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California · 2025–26 Regular Session · Assembly Bill

AB 2038: Residential property insurance: cancellations and nonrenewals.

Enacted Official data

  1. Introduced
  2. In committee
  3. Passed one chamber
  4. Passed both chambers
  5. Enacted

Last official action: ·Record last updated:

Plain-language summary

AB 2038 is a assembly bill introduced in the California Assembly on February 17, 2026. According to its official title, it concerns: Residential property insurance: cancellations and nonrenewals. Primary sponsor: John Harabedian (D), Rick Chavez Zbur (D). Most recent recorded action (September 30, 2026): Chaptered by Secretary of State - Chapter 917, Statutes of 2026.

Generated automatically from the official title, sponsor list, and status record only. It does not characterize the bill’s purpose or effects. How summaries are written

Official summary

Legislative Counsel’s Digest (official, as of the latest version). Written by nonpartisan legislative staff; reproduced verbatim.

Existing law generally regulates classes of insurance, including residential property insurance. Existing law requires an insurer, in the case of a total loss to the primary insured structure under a policy of residential property insurance, for at least the next two annual renewal periods, but no less than 24 months of coverage from the date of the loss, to renew the policy under certain circumstances, including that the total loss to the primary insured structure was caused by a disaster. Existing law prohibits an insurer from canceling or refusing to renew a policy of residential property insurance for a property located in a ZIP Code within or adjacent to a fire perimeter for one year after the declaration of a state of emergency, if the cancellation or nonrenewal is based solely on the fact that the insured structure is located in an area in which a wildfire has occurred.

This bill would instead require an insurer to renew the policy of residential property insurance, under the above-described circumstances, for at least the next three annual renewal periods, but no less than 36 months of coverage from the date of the loss. The bill would also prohibit an insurer from canceling or refusing to renew a policy of residential property insurance for a property located in a ZIP Code within or adjacent to a fire perimeter for two years after the declaration of a state of emergency.

Sponsors

Sponsors by party (alphabetical): Democratic 2

NameRolePartyChamberDistrict
John HarabedianPrimary sponsorDemocraticAssembly41
Rick Chavez ZburPrimary sponsorDemocraticAssembly51

“Support” is shown only as formal sponsorship recorded by the legislature. Roll-call votes are available on the official bill page.

Recent official actions

  1. Chaptered by Secretary of State - Chapter 917, Statutes of 2026.
  2. Approved by the Governor.
  3. Enrolled and presented to the Governor at 4 p.m.
  4. In Assembly. Ordered to Engrossing and Enrolling.
  5. Read third time. Passed. Ordered to the Assembly. (Ayes 27. Noes 5.).
  6. Read second time. Ordered to third reading.
  7. From committee: Do pass. (Ayes 6. Noes 1.) (August 13).
  8. In committee: Referred to APPR. suspense file.
  9. From committee: Do pass and re-refer to Com. on APPR. (Ayes 4. Noes 0.) (June 10). Re-referred to Com. on APPR.
  10. Referred to Com. on INS.
  11. In Senate. Read first time. To Com. on RLS. for assignment.
  12. Read third time. Passed. Ordered to the Senate. (Ayes 53. Noes 9. Page 4991.)

Sources

  1. California Legislative Information — pubinfo database export
  2. Official bill page