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Bill

AB 1339

Department of Insurance: housing insurance study.

2025-2026 Regular Session Introduced by Mark González and 3 co-sponsors

California law mandates Department of Insurance study on homeowners insurance availability and affordability to address the state's ongoing insurance market crisis and coverage gaps.

Chaptered by Secretary of State - Chapter 728, Statutes of 2025.
#departmentofinsurance #housinginsurancestudy
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Bill Summary · AB 1339

Legislative bill overview

AB 1339 requires California's Department of Insurance to conduct a comprehensive study examining the availability, affordability, and accessibility of homeowners insurance in the state. The bill was signed into law in October 2025 after passing both chambers unanimously and directs the department to analyze market conditions, insurer behavior, and potential policy solutions.

Why is this important

California faces a severe homeowners insurance crisis, with major insurers withdrawing from the market, premiums skyrocketing, and hundreds of thousands of residents unable to obtain coverage. This study mandates a data-driven examination of the problem, which could inform future legislative action to address housing affordability and property protection for residents and communities at risk from natural disasters.

Potential points of contention

  • Study scope and timeline: The bill requires a study but doesn't specify completion deadlines or detailed scope, potentially limiting its actionability if recommendations arrive too late to address urgent market conditions
  • Enforcement mechanisms absent: The bill creates a study requirement but includes no mandates for the Department of Insurance to implement findings or for insurers to respond to recommendations
  • Limited regulatory authority: A study alone may not address structural market problems like insurer profitability concerns or the rising costs of catastrophic wildfire risk that are driving carriers from California

Compiled from official sources — confirm details with the bill’s official record.

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