20250AB__198699INT INTRODUCED 2026-02-13 2025 AB INT Introduced by Assembly Member Bennett (Coauthors: Assembly Members Ahrens, Alvarez, Bauer-Kahan, Connolly, Harabedian, and Hart) (Coauthors: Senators Allen and Stern) LEAD_AUTHOR ASSEMBLY Bennett COAUTHOR ASSEMBLY Ahrens COAUTHOR ASSEMBLY Alvarez COAUTHOR ASSEMBLY Bauer-Kahan COAUTHOR ASSEMBLY Connolly COAUTHOR ASSEMBLY Harabedian COAUTHOR ASSEMBLY Hart COAUTHOR SENATE Allen COAUTHOR SENATE Stern

An act to add

Section 679.91 to the Insurance Code, relating to insurance. insurance Residential property insurance: home hardening. Existing law authorizes the Office of the State Fire Marshal to allow certification of contractors who conduct defensible space, home hardening, fuel reduction, roadside clearance, and other contracting activities for wildfire resiliency efforts and who have completed specified training programs. Existing law generally regulates classes of insurance, including residential property and fire insurance.

Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department’s powers and duties. Existing department regulations prohibit an insurer from using a rating plan that does not take into account and reflect specified wildfire risk mitigation, including property-level building hardening measures.

Upon request for a premium quote for residential property insurance, this bill would require a specified insurer to provide a premium quote for the residential property that includes the price of insurance if the property is certified as “hardened” by a home hardening certification program established or approved by the State Fire Marshal and a premium quote for the residential property in its current state. MAJORITY NO NO NO NO NO NO NO NO NO NO The people of the State of California do enact as follows:

SECTION

Section 679.91 is added to the Insurance Code , immediately following

Section 679.9 , to read: 679.91. Upon request for a premium quote for residential property insurance, an insurer of a policy specified in

Section shall provide a premium quote for the residential property that includes the price of insurance if the property is certified as “hardened” by a home hardening certification program established or approved by the State Fire Marshal and a premium quote for the residential property in its current state.