Skip to main content
Independent and nonpartisan. SaveYourState is a civic information resource. It is not a government website and is not affiliated with any government agency, party, or campaign.

California · 2025–26 Regular Session · Senate Bill

SB 1076: Admitted insurers: residential property insurance.

In committee 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

SB 1076 is a senate bill introduced in the California Senate on February 13, 2026. According to its official title, it concerns: Admitted insurers: residential property insurance. Primary sponsor: Sasha Renée Pérez (D). It lists 1 additional sponsor. Most recent recorded action (April 23, 2026): April 22 set for first hearing. Failed passage in committee. (Ayes 3. Noes 2. Page 4012.).

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 creates the Department of Insurance, headed by the Insurance Commissioner, and generally regulates classes of insurance, including residential property insurance. Existing department regulations prohibit an insurer from using a rating plan that does not take into account and reflect specified wildfire risk mitigation, including property-level building hardening measures.

On and after January 1, 2028, this bill would prohibit an admitted insurer that offers or sells residential property insurance in this state from refusing to offer, sell, or renew a policy of residential property insurance for an applicant or insured whose property meets minimum home hardening and wildfire mitigation standards, except as provided. The bill would authorize an admitted insurer to apply to the commissioner for a temporary waiver of that prohibition in a particular geographic area of the state, as specified. On and after January 1, 2028, the bill would also require any residential property insurance offered or sold to, at a minimum, provide coverage equivalent in scope to the residential property coverage the admitted insurer most commonly offers or sells in this state. The bill would suspend or revoke an insurer’s certificate of authority to offer or sell residential property insurance and automobile insurance in this state for five years if the admitted insurer habitually and as a matter of ordinary practice violates these provisions or if the admitted insurer offers residential property insurance in this state on and after January 1, 2026, but elects to cease offering that insurance rather than comply with these provisions.

Sponsors

Sponsors by party (alphabetical): Democratic 2

NameRolePartyChamberDistrict
Sasha Renée PérezPrimary sponsorDemocraticSenate25
Mike McGuireCo-sponsorDemocraticSenate2

“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. April 22 set for first hearing. Failed passage in committee. (Ayes 3. Noes 2. Page 4012.)
  2. Set for hearing April 22.
  3. Referred to Com. on INS.
  4. From printer. May be acted upon on or after March 16.
  5. Introduced. Read first time. To Com. on RLS. for assignment. To print.

Sources

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