California bills · 2025-2026 Regular Session
California AB 2038
Residential property insurance: cancellations and nonrenewals.
- Introduced
- In committee
- Passed House
- Passed Senate
- To Governor
- Became law
Sponsors
- Harabedian (Democratic)
Cosponsors (1)
- Zbur (Democratic)
Summary
Official abstract published by the California legislature· summary
Existing law generally regulates classes of insurance, including residential property insurance. Existing law requires an insurer, in the case of a total loss to the primary insured structure under a policy of residential property insurance, for at least the next two annual renewal periods, but no less than 24 months of coverage from the date of the loss, to renew the policy under certain circumstances, including that the total loss to the primary insured structure was caused by a disaster. 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 instead require an insurer to renew the policy of residential property insurance, under the above-described circumstances, for at least the next three annual renewal periods, but no less than 36 months of coverage from the date of the loss. The bill would also prohibit 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 two years after the declaration of a state of emergency.
Text versions
- 09/30/26 - Chaptered· Sep 30, 2026
- 08/30/26 - Enrolled· Aug 30, 2026
- 03/16/26 - Amended Assembly· Mar 16, 2026
- 02/17/26 - Introduced· Feb 17, 2026
- AB2038
Roll-call votes
State vote data last updated Oct 14, 2026, 8:01 AM.
| Date | Vote | Result | Your legislators |
|---|---|---|---|
| Aug 26, 2026 Senate | 3rd Reading AB2038 Harabedian et al. By Pérez | pass | Set your home in California to see |
| Aug 13, 2026 Senate | Do pass | pass | Set your home in California to see |
| Jun 29, 2026 Senate | Placed on suspense file | pass | Set your home in California to see |
| Jun 10, 2026 Senate | Do pass, but first be re-referred to the Committee on [Appropriations] | pass | Set your home in California to see |
| May 11, 2026 House | AB 2038 Harabedian Assembly Third Reading | pass | Set your home in California to see |
| Apr 29, 2026 House | Do pass. | pass | Set your home in California to see |
| Apr 15, 2026 House | Do pass and be re-referred to the Committee on [Appropriations] | pass | Set your home in California to see |
Actions
- Sep 30, 2026 · Legislature
Chaptered by Secretary of State - Chapter 917, Statutes of 2026. - Sep 30, 2026 · Legislature
Approved by the Governor. - Sep 3, 2026 · Legislature
Enrolled and presented to the Governor at 4 p.m. - Aug 27, 2026 · House
In Assembly. Ordered to Engrossing and Enrolling. - Aug 26, 2026 · Senate
Read third time. Passed. Ordered to the Assembly. (Ayes 27. Noes 5.). - Aug 13, 2026 · Senate
Read second time. Ordered to third reading. - Aug 13, 2026 · Senate
From committee: Do pass. (Ayes 6. Noes 1.) (August 13). - Jun 29, 2026 · Senate
In committee: Referred to APPR. suspense file. - Jun 10, 2026 · Senate
From committee: Do pass and re-refer to Com. on APPR. (Ayes 4. Noes 0.) (June 10). Re-referred to Com. on APPR. - May 20, 2026 · Senate
Referred to Com. on INS. - May 12, 2026 · Senate
In Senate. Read first time. To Com. on RLS. for assignment. - May 11, 2026 · House
Read third time. Passed. Ordered to the Senate. (Ayes 53. Noes 9. Page 4991.) - Apr 30, 2026 · House
Read second time. Ordered to third reading. - Apr 29, 2026 · House
From committee: Do pass. (Ayes 10. Noes 1.) (April 29). - Apr 15, 2026 · House
From committee: Do pass and re-refer to Com. on APPR. (Ayes 13. Noes 3.) (April 15). Re-referred to Com. on APPR. - Mar 17, 2026 · House
Re-referred to Com. on INS. - Mar 16, 2026 · House
From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended. - Mar 16, 2026 · House
Referred to Com. on INS. - Feb 18, 2026 · House
From printer. May be heard in committee March 20. - Feb 17, 2026 · House
Read first time. To print.