Calif. lawmakers revive push to require coverage for wildfire-ready properties

By Camille von Kaenel | 02/19/2026 06:22 AM EST

Previous versions of the mandate have stalled in the Legislature amid heavy industry opposition.

An aerial photo shows the charred homes of Louise Hamlin, center left, and Chris Wilson, center right, after the Eaton Fire in Altadena, California.

Record-breaking wildfires have only brought more attention to the state's volatile property insurance market. Jae C. Hong/AP

SACRAMENTO, California — Democratic lawmakers are reviving a proposal that would bar property insurers from denying coverage for homeowners who meet state fire-hardening standards.

What happened: State Sen. Sasha Renée Perez introduced SB 1076 on Friday, along with co-author state Sen. Mike McGuire. The bill would prohibit private insurers regulated by the state from refusing coverage to homeowners whose properties comply with minimum home-hardening and wildfire mitigation standards, with limited exceptions.

“I’ve spoken with Eaton Fire survivors whose newly built homes will meet the highest levels of protection against wildfires but still fear they won’t be able to purchase insurance,” said Perez in a statement. “Being denied coverage after meeting safety standards sends the wrong message and is akin to being penalized for doing the right thing.”

Advertisement

The bill was introduced with support from Consumer Watchdog, the consumer advocacy group that has long endorsed the ban, and the Eaton Fire Survivors Network, a group created after the devastating Los Angeles firestorm in Perez’s district last year, according to Perez spokesperson Jerome Parra.

GET FULL ACCESS