California legislation · 2025-2026 Regular Session
California SB876: Fire and residential property insurance.
Status: Chaptered, September 27, 2026
What the bill says
An act to amend Section 2071 of, to amend, repeal, and add Sections 790.035, 929, 2051.5, 2060, 10102, 10103, 10103.2, 10103.4, 12928.7, and 14047 of, and to add Section 10103.8 to, the Insurance Code, relating to insurance. insurance Fire and residential property insurance. (1) Existing law generally regulates classes of insurance, including fire and residential property insurance…
From the chaptered text, September 27, 2026:
An act to amend Section 2071 of, to amend, repeal, and add Sections 790.035, 929, 2051.5, 2060, 10102, 10103, 10103.2, 10103.4, 12928.7, and 14047 of, and to add Section 10103.8 to, the Insurance Code, relating to insurance. insurance Fire and residential property insurance. (1) Existing law generally regulates classes of insurance, including fire and residential property insurance. Existing law prohibits a policy from limiting or denying a payment of building code upgrade cost on the basis that the insured has decided to rebuild at a new location or to purchase an already built home at a new location. If there is a total loss of the insured structure, this bill would require the building code upgrade cost payable to include all costs that would have been incurred if the insured structure been completely rebuilt at its original location. (2) Existing law requires a disclosure to be provided upon an offer of a residential property insurance policy that states policies offering extended replacement cost coverage of at least 50% may be available for that property and that includes the internet website address of the Homeowners Coverage Comparison Tool. Existing law exempts specified insurers, agents, and brokers from this requirement. This bill would instead prohibit a residential property insurance policy from being issued or renewed unless the applicant or insured is offered …
Sponsors
- Padilla, Stephen (D, SD18) · primary sponsor
- Benjamin Allen (D, SD24)
- Dawn Addis (D, AD30)
Latest actions
- : Chaptered by Secretary of State. Chapter 656, Statutes of 2026.
- : Approved by the Governor.
- : Enrolled and presented to the Governor at 2 p.m.
- : Read third time. Passed. (Ayes 59. Noes 19. Page 7000.) Ordered to the Senate.
- : Assembly amendments concurred in. (Ayes 26. Noes 9.) Ordered to engrossing and enrolling.
- : In Senate. Concurrence in Assembly amendments pending.
- : Read third time. Passed. Ordered to the Senate.
- : Ordered to third reading.
- : Read third time and amended.
- : Read second time. Ordered to third reading.
Votes
- Unfinished Business SB876 Padilla et al. Concurrence (August 31, 2026): 27 yea, 9 nay, passed
- SB 876 Padilla Senate Third Reading By Calderon (August 31, 2026): 59 yea, 19 nay, passed
- Do pass as amended. (August 13, 2026): 11 yea, 4 nay, passed
- Do pass and be re-referred to the Committee on [Appropriations] (June 30, 2026): 9 yea, 3 nay, passed
- Do pass as amended and be re-referred to the Committee on [Judiciary] (June 24, 2026): 13 yea, 4 nay, passed
- Senate 3rd Reading SB876 Padilla et al. (May 27, 2026): 30 yea, 9 nay, passed
Common questions
- What is SB876?
- SB876 is a bill in the California Legislature (2025-2026 Regular Session): Fire and residential property insurance.
- What does SB876 do?
- In its own words: An act to amend Section 2071 of, to amend, repeal, and add Sections 790.035, 929, 2051.5, 2060, 10102, 10103, 10103.2, 10103.4, 12928.7, and 14047 of, and to add Section 10103.8 to, the Insurance Code, relating to insurance. insurance Fire and residential property insurance. (1) Existing law generally regulates classes of insurance, including fire and residential property insurance…
- What is the status of SB876?
- Chaptered as of September 27, 2026. Latest action: Chaptered by Secretary of State. Chapter 656, Statutes of 2026. (September 27, 2026).
- Who sponsored SB876?
- Padilla, Stephen (D, SD18), with 2 co-sponsors.
- Where is the official record for SB876?
- On the California Legislature website: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB876
Source: official California record. Tracked by Delilah, AI for legislation across all 50 states and Congress.