By Laurence Darmiento, LOS ANGELES TIMES
SB 1076, by state Sen. Sasha Renée Pérez (D-Alhambra), would require insurers to offer and renew coverage for any home that meets wildfire-safety standards adopted by the insurance commissioner starting Jan. 1, 2028.
The Insurance Coverage for Fire-Safe Homes Act would allow the commissioner to impose a five-year ban on insurers from operating in the state’s auto and home markets if they don’t comply. An insurer would also be banned from the markets for five years if it decides to cease offering property insurance under the law.
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Pérez said that in her talks with survivors of the Eaton fire that struck Altadena and surrounding communities in January 2025, she found they were fearful that even if their homes are rebuilt to the highest fire safety standards, they wouldn’t be offered insurance.
The bill is co-sponsored by the Eaton Fire Survivors Network, which represents thousands of residents in the fire zone, and Consumer Watchdog, a Los Angeles consumer advocacy group that has long advocated for such a law.