Fire and Residential Property Insurance

LegiScan California

Published January 6th, 2026

Detected March 30th, 2026

Summary

California Senate Bill 876, sponsored by Sen. Steve Padilla, proposes comprehensive amendments to the California Insurance Code affecting fire and residential property insurance. The bill would amend 11 existing sections, add one new section (10103.8), and repeal and replace Section 10103.2. The measure is scheduled for Senate Insurance Committee hearing on April 8, 2026.

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What changed

California SB876 would amend Sections 790.035, 2051, 2051.5, 2060, 2071, 10102, 10103, 10103.4, 10103.7, 12928.7, and 14047 of the Insurance Code, add new Section 10103.8, and repeal and replace Section 10103.2. The bill targets fire and residential property insurance practices and coverage requirements.

The Senate Insurance Committee hearing is scheduled for April 8, 2026 at 1:30 pm in Room 2100, 1021 O Street. Insurers writing fire and residential property insurance in California should monitor this bill and prepare to submit comments. If enacted, affected parties will need to review and potentially update policy forms and underwriting practices to comply with the amended code sections.

What to do next

Monitor the April 8, 2026 Senate Insurance Committee hearing for developments
Submit comments to the Senate Insurance Committee regarding the bill's impact on property insurance operations
Review current fire and residential property insurance practices to assess potential compliance requirements under proposed code amendments

Source document (simplified)

CA SB876 | 2025-2026 | Regular Session

California Senate Bill 876

CA State Legislature page for SB876
- Summary
- Sponsors
- Texts
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Status

Sponsorship: Partisan Bill (Democrat 1)
Status: Introduced on January 6 2026 - 25% progression
Action: 2026-03-27 - Set for hearing April 8.
Pending: Senate Insurance Committee
Hearing: Apr 8 @ 1:30 pm in 1021 O Street, Room 2100
Text: Latest bill text (Introduced) [HTML]

Summary

An act to amend Sections 790.035, 2051, 2051.5, 2060, 2071, 10102, 10103, 10103.4, 10103.7, 12928.7, and 14047 of, to add Section 10103.8 to, and to repeal and add Section 10103.2 of, the Insurance Code, relating to insurance.
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Title

Fire and residential property insurance.

History

| Date | Chamber | Action |
| --- | --- | --- |
| 2026-03-27 | Senate | Set for hearing April 8. |
| 2026-02-11 | Senate | Referred to Coms. on INS. and JUD. |
| 2026-01-07 | Senate | From printer. May be acted upon on or after February 6. |
| 2026-01-06 | Senate | Introduced. Read first time. To Com. on RLS. for assignment. To print. |

Code Citations

| Chapter | Section | Citation Type | Statute Text |
| --- | --- | --- | --- |
| Insurance Code | 10102 | Amended Code | Citation Text |
| Insurance Code | 10103 | Amended Code | Citation Text |
| Insurance Code | 10103.4 | Amended Code | Citation Text |
| Insurance Code | 10103.7 | Amended Code | Citation Text |
| Insurance Code | 10103.8 | New Code | See Bill Text |
| Insurance Code | 12928.7 | Amended Code | Citation Text |
| Insurance Code | 14047 | Amended Code | Citation Text |
| Insurance Code | 2051 | Amended Code | Citation Text |
| Insurance Code | 2051.5 | Amended Code | Citation Text |
| Insurance Code | 2060 | Amended Code | Citation Text |
| Insurance Code | 2071 | Amended Code | Citation Text |
| Insurance Code | 790.035 | Amended Code | Citation Text |

California State Sources

| Type | Source |
| --- | --- |
| Summary | https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=202520260SB876 |
| Text | https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260SB876#99INT |

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