California SB877: Residential property insurance: loss estimate transparency.

What the bill says

An act to amend Section 2071 of the Insurance Code, relating to insurance. insurance Residential property insurance: loss estimate transparency. Existing law generally regulates classes of insurance, including residential property insurance. Existing law prohibits a policy of residential property insurance from being issued or renewed by an insurer unless the named insured is provided a copy of specified information, including the California Residential Insurance Disclosure…

From the enrolled text, September 4, 2026:

An act to amend Section 2071 of the Insurance Code, relating to insurance. insurance Residential property insurance: loss estimate transparency. Existing law generally regulates classes of insurance, including residential property insurance. Existing law prohibits a policy of residential property insurance from being issued or renewed by an insurer unless the named insured is provided a copy of specified information, including the California Residential Insurance Disclosure. Under existing law, the California Standard Form Fire Insurance Policy requires an insured to notify every claimant that they can request copies of claim-related documents, as defined to include all valuation, measurement, and loss adjustment calculations of the amount of loss, covered damage, and cost of repairs, that the insurer is required to provide within 15 calendar days of the request. Under existing law, it is a misdemeanor to issue or countersign a fire policy that varies from the standard form fire insurance policy. This bill would modify the definition of claim-related documents for purposes of the above-described provisions to include all valuation, measurement, and loss adjustment calculations, whether preliminary or final, that relate to the amount of loss, covered damage, and cost of repairs. Because the bill would make changes to the standard form for fire insurance, the bill would expand the scope of an existing crime and impose a state-mandated local program. The …

Read the full official text

Sponsors

• Pérez, Sasha Renée (D, SD25) · primary sponsor
• John Harabedian (D, AD41)
• Benjamin Allen (D, SD24)
• Rosilicie Ochoa Bogh (R, SD19)

Latest actions

1. September 27, 2026: In Senate. Consideration of Governor's veto pending.
2. September 27, 2026: Vetoed by the Governor.
3. September 9, 2026: Enrolled and presented to the Governor at 2 p.m.
4. August 31, 2026: Assembly amendments concurred in. (Ayes 39. Noes 0.) Ordered to engrossing and enrolling.
5. August 30, 2026: In Senate. Concurrence in Assembly amendments pending.
6. August 30, 2026: Read third time. Passed. (Ayes 78. Noes 0. Page 6941.) Ordered to the Senate.
7. August 30, 2026: Read third time. Passed. Ordered to the Senate.
8. August 21, 2026: Read third time and amended.
9. August 21, 2026: Assembly Rule 69(b)(1) suspended. (Ayes 55. Noes 17. Page 6296.)
10. August 21, 2026: Ordered to third reading.

Votes

• Unfinished Business SB877 Pérez et al. Concurrence (August 31, 2026): 40 yea, 0 nay, passed
• SB 877 Pérez Senate Third Reading By Harabedian (August 30, 2026): 78 yea, 0 nay, passed
• Do pass. (August 13, 2026): 15 yea, 0 nay, passed
• Do pass and be re-referred to the Committee on [Appropriations] (June 17, 2026): 16 yea, 0 nay, passed
• Senate 3rd Reading SB877 Pérez et al. (May 20, 2026): 35 yea, 0 nay, passed
• Do pass (May 14, 2026): 7 yea, 0 nay, passed

Common questions

What is SB877?

SB877 is a bill in the California Legislature (2025-2026 Regular Session): Residential property insurance: loss estimate transparency.

What does SB877 do?

In its own words: An act to amend Section 2071 of the Insurance Code, relating to insurance. insurance Residential property insurance: loss estimate transparency. Existing law generally regulates classes of insurance, including residential property insurance. Existing law prohibits a policy of residential property insurance from being issued or renewed by an insurer unless the named insured is provided a copy of specified information, including the California Residential Insurance Disclosure…

What is the status of SB877?

Vetoed as of September 27, 2026. Latest action: In Senate. Consideration of Governor's veto pending. (September 27, 2026).

Who sponsored SB877?

Pérez, Sasha Renée (D, SD25), with 3 co-sponsors.

Where is the official record for SB877?

On the California Legislature website: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB877