SB-365 • 2026

Fire insurance: reporting on cancellation and nonrenewal.

Passed Legislature

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

Sponsor: Alvarado-Gil
Last action: 2026-02-02
Official status: Returned to Secretary of Senate pursuant to Joint Rule 56.
Effective date: Not listed

Plain English Breakdown

The bill summary does not specify how the reported information will be used or what consequences there are for non-compliance by the Department of Insurance.

Fire Insurance Reporting on Policy Changes

This law requires insurance companies to report information about policy cancellations and nonrenewals in ZIP Codes near wildfire-affected areas.

What This Bill Does

Requires the Department of Insurance to send reports to lawmakers each year starting January 1, 2027.
Reports must include details on how a one-year ban affects insurance policies in ZIP Codes adjacent to but not included within an area where the prohibition applies, as well as for ZIP Codes where the prohibition has ended.

Who It Names or Affects

Insurance companies that offer residential property insurance
People living in ZIP Codes near wildfire-affected areas

Terms To Know

Fire perimeter: The boundary around an area affected by a wildfire.
State of emergency: A situation declared by the government when there is a serious threat to public safety, health, or welfare.

Limits and Unknowns

Does not specify what happens if the Department of Insurance fails to submit reports on time.
The bill does not provide details about how the information will be used after it is reported.

Bill History

2026-02-02 California Legislative Information
Returned to Secretary of Senate pursuant to Joint Rule 56.
2025-04-22 California Legislative Information
April 23 set for second hearing canceled at the request of author.
2025-04-21 California Legislative Information
From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS.
2025-04-04 California Legislative Information
Set for hearing April 23.
2025-04-03 California Legislative Information
April 9 set for first hearing canceled at the request of author.
2025-03-26 California Legislative Information
Set for hearing April 9.
2025-02-26 California Legislative Information
Referred to Com. on INS.
2025-02-14 California Legislative Information
From printer. May be acted upon on or after March 16.
2025-02-13 California Legislative Information
Introduced. Read first time. To Com. on RLS. for assignment. To print.

Official Summary Text

SB 365, as amended, Alvarado-Gil.
Fire insurance: reporting on cancellation and nonrenewal.
Existing law generally regulates classes of insurance, including residential property insurance. 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 require the Department of Insurance, on or before January 1, 2027, and on or before each January 1 thereafter, to report specified information to the Legislature on the effect the above-described one-year prohibition against cancellation or nonrenewal has had
on cancellations and nonrenewals of policies of residential property insurance
in ZIP Codes
adjacent to, but not included in, an area where the prohibition applies, as well as for ZIP Codes for which the prohibition has expired.
subject to the prohibition.

Current Bill Text

Read the full stored bill text

Download Bill PDF