
California Insurance Commissioner – Wildfire Insurance Protections
Government Agency
Regulatory Guidance
California
The California Department of Insurance has enacted new rules requiring insurance companies to offer fair coverage to homeowners in wildfire-prone areas. After major fires, they also issue moratoriums preventing insurers from canceling or non-renewing policies in affected ZIP codes. These protections help homeowners maintain coverage while they rebuild and improve fire resilience. The department also educates residents on navigating claims and understanding wildfire-specific policy updates.