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AB-69 • 2026

FAIR Plan policy notices and renewals.

FAIR Plan policy notices and renewals.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Calderon
Last action
2025-09-11
Official status
From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS.
Effective date
Not listed

Plain English Breakdown

The official source material does not provide details about the bill's aim or potential impact on reducing FAIR Plan policies over time.

FAIR Plan Policy Notices and Renewals

This law requires brokers to check if FAIR Plan policies can be moved to regular insurance companies before renewing them, and it mandates the association to give policyholders yearly notices about their coverage options.

What This Bill Does

  • Requires a broker of record to determine if a FAIR Plan policy can move to a voluntary market insurance company before renewal.
  • Mandates the California FAIR Plan Association to provide all policyholders with an annual notice regarding their coverage options, including at initial issuance and each renewal.

Who It Names or Affects

  • Policyholders of the FAIR Plan
  • Brokers of record for FAIR Plan policies

Terms To Know

FAIR Plan
A program that provides basic property insurance to people who cannot get it through regular channels.
Voluntary market insurance company
An insurance company that offers policies on a voluntary basis, not as part of the FAIR Plan.

Limits and Unknowns

  • The bill does not specify what happens if a policy cannot be moved to a regular insurance company.
  • It is unclear how this will affect the number of existing FAIR Plan policies over time.

Bill History

  1. 2025-09-11 California Legislative Information

    From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS.

  2. 2025-09-11 California Legislative Information

    Senate Rule 29.3(b) suspended. (Ayes 30. Noes 10. Page 2934.)

  3. 2025-06-23 California Legislative Information

    In committee: Set, first hearing. Hearing canceled at the request of author.

  4. 2025-06-18 California Legislative Information

    Referred to Com. on INS.

  5. 2025-06-09 California Legislative Information

    In Senate. Read first time. To Com. on RLS. for assignment.

  6. 2025-06-05 California Legislative Information

    Read third time. Passed. Ordered to the Senate. (Ayes 78. Noes 0. Page 2104.)

  7. 2025-06-02 California Legislative Information

    Read third time and amended. Ordered to third reading. (Page 1951.)

  8. 2025-05-27 California Legislative Information

    Read second time. Ordered to third reading.

  9. 2025-05-23 California Legislative Information

    From committee: Do pass. (Ayes 14. Noes 0.) (May 23).

  10. 2025-04-23 California Legislative Information

    In committee: Set, first hearing. Referred to suspense file.

  11. 2025-04-02 California Legislative Information

    From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 17. Noes 0.) (April 2). Re-referred to Com. on APPR.

  12. 2025-02-03 California Legislative Information

    Referred to Com. on INS.

  13. 2025-01-06 California Legislative Information

    Read first time.

  14. 2024-12-11 California Legislative Information

    From printer. May be heard in committee January 10.

  15. 2024-12-10 California Legislative Information

    Introduced. To print.

Official Summary Text

AB 69, as amended, Calderon.
FAIR Plan policy notices and renewals.
The California FAIR Plan Association is a joint reinsurance association in which all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the association to implement programs to help reduce the number of existing FAIR Plan policies.
This bill would require
a broker of record to determine if a FAIR Plan policy can be moved to a voluntary market insurance company before the policy is renewed. The bill would require
the association to provide all policyholders with a notice regarding their coverage options at least annually, including with the initial policy issuance and
upon each renewal.

Current Bill Text

Read the full stored bill text 
Download Bill PDF