Overview
- SB 1076, introduced by Sen. Sasha Renée Pérez, would require insurers to offer and renew coverage for homes that meet wildfire-safety standards set by the insurance commissioner starting Jan. 1, 2028.
- The bill authorizes five-year bans from California’s home and auto markets for insurers that fail to comply or that stop offering property coverage under the mandate.
- Carriers could request a temporary waiver by demonstrating an over-concentration of risk in a specific geographic area.
- Proposed standards emphasize home-hardening and defensible space, including sprinklers, closed eaves and a five-foot ember-resistant zone.
- Consumer groups and Eaton fire survivors back the bill as it moves to committee, while industry trade groups warn it would deepen market strains even as FAIR Plan policies have surged to 670,500 with $724.6 billion in exposure.