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 Bill Text - SB-876 Fire and residential property insurance. 

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 |Add To My Favorites |Track Bill | Version: 06/25/26 - Amended Assembly
 06/18/26 - Amended Assembly
 05/14/26 - Amended Senate
 04/13/26 - Amended Senate
 01/06/26 - Introduced

 SB-876 Fire and residential property insurance. (2025-2026)

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 Date Published: 06/25/2026 09:00 PM

SB876:v95#DOCUMENTBill Start

 Amended
 IN 
 Assembly
 June 25, 2026

 Amended
 IN 
 Assembly
 June 18, 2026

 Amended
 IN 
 Senate
 May 14, 2026

 Amended
 IN 
 Senate
 April 13, 2026

 CALIFORNIA LEGISLATURE—
 2025–2026 REGULAR SESSION

 Senate Bill

No. 876

Introduced by Senator Padilla
(Principal coauthor: Senator Allen)
(Coauthor: Assembly Member Addis)

January 06, 2026

 An act to amend Section 2071 of, to amend, repeal, and add Sections 790.035, 929, 2051.5, 2060, 2071, 10102, 10103, 10103.2, 10103.4, 12928.7, and 14047 of, and to add Section 10103.8 to, and to repeal and add Section 10103.2 of, the Insurance Code, relating to insurance. 

LEGISLATIVE COUNSEL'S DIGEST

SB 876, as amended, Padilla.
 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 extended replacement cost coverage in an amount of no less than 50% of coverage above the policy limits for the primary dwelling and other structures. dwelling. If an applicant or policyholder declines this offer, the bill would require them to sign an acknowledgment of the offer.
 the insurer to record acknowledgment of the declination, as specified.

(3) Existing law requires an insurer that provides replacement cost coverage to provide a cost estimate for rebuilding or replacing the structure at specified intervals, but exempts an insurer that meets specified criteria from this requirement.

This bill would delete those exemptions and would extend the cost estimate requirements to a policy offered by the California FAIR Plan Association if replacement cost coverage is available under the policy. The bill would make an insurer that fails to comply with the cost estimate requirements liable for up to the full replacement cost of the insured property after a loss.

(4) Existing law requires an insurer
 to provide an insured with a list of items that the insurer believes may be covered under the policy as additional living expenses if there is a loss under a homeowners’ insurance policy for which the insured has made a claim for additional living expenses. If there is a covered loss relating to a state of emergency, existing law requires additional living expense coverage to be for a period of no less than 24 months from the inception of the loss.

This bill would require the above-described list to be written, and would authorize the list to be transmitted as an electronic document. The bill would require additional living expense coverage to include all reasonable additional expenses incurred by the insured for the insured to maintain a comparable standard of living for the time the insured dwelling is not habitable due to a covered loss, as specified. The bill would authorize an
 insurer to offer the ability to the insured to choose to collect the monthly fair rental value of the dwelling in lieu of reimbursement for itemized expenses under additional living expense coverage, as specified. If there is a covered total loss relating to a state of eme