California AB2038: Residential property insurance: cancellations and nonrenewals.

What the bill says

An act to amend Section 675.1 of the Insurance Code, relating to insurance. insurance Residential property insurance: cancellations and nonrenewals. Existing law generally regulates classes of insurance, including residential property insurance…

From the chaptered text, September 30, 2026:

An act to amend Section 675.1 of the Insurance Code, relating to insurance. insurance Residential property insurance: cancellations and nonrenewals. 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 …

Read the full official text

Sponsors

• John Harabedian (D, AD41) · primary sponsor
• Zbur, Rick Chavez (D, AD51) · primary sponsor

Latest actions

1. September 30, 2026: Chaptered by Secretary of State - Chapter 917, Statutes of 2026.
2. September 30, 2026: Approved by the Governor.
3. September 3, 2026: Enrolled and presented to the Governor at 4 p.m.
4. August 27, 2026: In Assembly. Ordered to Engrossing and Enrolling.
5. August 26, 2026: Read third time. Passed. Ordered to the Assembly. (Ayes 27. Noes 5.).
6. August 13, 2026: From committee: Do pass. (Ayes 6. Noes 1.) (August 13).
7. August 13, 2026: Read second time. Ordered to third reading.
8. June 29, 2026: In committee: Referred to APPR. suspense file.
9. June 10, 2026: From committee: Do pass and re-refer to Com. on APPR. (Ayes 4. Noes 0.) (June 10). Re-referred to Com. on APPR.
10. May 20, 2026: Referred to Com. on INS.

Votes

• Assembly 3rd Reading AB2038 Harabedian et al. By Pérez (August 26, 2026): 28 yea, 5 nay, passed
• Do pass (August 13, 2026): 6 yea, 1 nay, passed
• Placed on suspense file (June 29, 2026): 7 yea, 0 nay, passed
• Do pass, but first be re-referred to the Committee on [Appropriations] (June 10, 2026): 4 yea, 0 nay, passed
• AB 2038 Harabedian Assembly Third Reading (May 11, 2026): 53 yea, 9 nay, passed
• Do pass. (April 29, 2026): 10 yea, 1 nay, passed

Common questions

What is AB2038?

AB2038 is a bill in the California Legislature (2025-2026 Regular Session): Residential property insurance: cancellations and nonrenewals.

What does AB2038 do?

In its own words: An act to amend Section 675.1 of the Insurance Code, relating to insurance. insurance Residential property insurance: cancellations and nonrenewals. Existing law generally regulates classes of insurance, including residential property insurance…

What is the status of AB2038?

Chaptered as of September 30, 2026. Latest action: Chaptered by Secretary of State - Chapter 917, Statutes of 2026. (September 30, 2026).

Who sponsored AB2038?

John Harabedian (D, AD41), with 1 co-sponsor.

Where is the official record for AB2038?

On the California Legislature website: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB2038