AB-69 • 2026

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: 2026-05-22
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 mention specific requirements for insurance agents and brokers to provide information about clearinghouse programs, which was included in the candidate explanation.

FAIR Plan Policy Notices and Renewals

This law changes how insurers can offer property insurance to people who have trouble getting it through normal channels by allowing direct offers after three renewal periods, requiring regular reporting of policy numbers, and mandating annual notices about coverage options.

What This Bill Does

Allows insurers in clearinghouse programs to directly offer property insurance to FAIR Plan policyholders after three renewal periods starting January 1, 2027.
Requires participating insurers to report the number of policies issued to FAIR Plan policyholders every quarter starting May 1, 2027.
Requires the California FAIR Plan Association to post a list of participating insurers on its website and update it quarterly.
Mandates that all policyholders receive an annual notice about their coverage options, including when they first get a policy or renew one.

Who It Names or Affects

FAIR Plan policyholders who have trouble getting basic property insurance through normal channels.
Insurance companies participating in the FAIR Plan Association's clearinghouse program.

Terms To Know

FAIR Plan: A program that provides property insurance to people who cannot get it through regular channels.
Clearinghouse Program: A part of the FAIR Plan where insurers offer homeowners or commercial insurance to policyholders.

Limits and Unknowns

The bill does not specify what happens if an insurer fails to report the number of policies issued.
It is unclear how the new requirements will affect the overall cost and availability of property insurance for those who need it most.
There are no details on penalties for insurers or agents who do not follow these new rules.

Bill History

2026-05-22 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.
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.
2025-09-11 California Legislative Information
Senate Rule 29.3(b) suspended. (Ayes 30. Noes 10. Page 2934.)
2025-06-23 California Legislative Information
In committee: Set, first hearing. Hearing canceled at the request of author.
2025-06-18 California Legislative Information
Referred to Com. on INS.
2025-06-09 California Legislative Information
In Senate. Read first time. To Com. on RLS. for assignment.
2025-06-05 California Legislative Information
Read third time. Passed. Ordered to the Senate. (Ayes 78. Noes 0. Page 2104.)
2025-06-02 California Legislative Information
Read third time and amended. Ordered to third reading. (Page 1951.)
2025-05-27 California Legislative Information
Read second time. Ordered to third reading.
2025-05-23 California Legislative Information
From committee: Do pass. (Ayes 14. Noes 0.) (May 23).
2025-04-23 California Legislative Information
In committee: Set, first hearing. Referred to suspense file.
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.
2025-02-03 California Legislative Information
Referred to Com. on INS.
2025-01-06 California Legislative Information
Read first time.
2024-12-11 California Legislative Information
From printer. May be heard in committee January 10.
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.
policies, including clearinghouse programs in which a participating insurer offers homeowners or commercial insurance to FAIR Plan policyholders. Existing law requires an agent or broker transacting basic property insurance to assist a person in obtaining basic property insurance coverage by one of
several specified methods, including making an application for insurance through the FAIR Plan.
This bill would
authorize an insurer participating in a clearinghouse program to offer coverage directly to the insured after 3 renewal periods after January 1, 2027. Commencing May 1, 2027, the bill would require a participating insurer to report to the association on a quarterly basis the number of policies it has issued to FAIR Plan policyholders. The bill would require the association to report aggregated numbers within 30 days, as specified, and post and quarterly update on its internet website a list of participating insurers in the clearinghouse programs. 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.
The bill would require an agent or broker transacting basic property insurance to assist a person in obtaining basic property insurance coverage by providing the person with information on the clearinghouse programs, among other specified assistance.

Current Bill Text

Read the full stored bill text

Download Bill PDF