Bill
AB 1986
AB 1986 creates home hardening requirements or incentives for California residential property insurance to reduce wildfire risk and address the insurance crisis.
AB 1986 addresses residential property insurance in California by establishing requirements or incentives related to "home hardening"—structural improvements that increase a home's resilience to wildfires, such as ember-resistant vents, metal roofing, and defensible space maintenance. The bill appears designed to reduce insurance risk exposure and potentially lower premiums for homeowners who implement these protective measures.
California faces a severe homeowners insurance crisis, with major insurers exiting the market and premiums skyrocketing due to wildfire risk. Home hardening can demonstrably reduce property damage during wildfires, creating potential cost savings for both insurers and homeowners. This bill attempts to align financial incentives with risk reduction, addressing both the insurance affordability crisis and wildfire preparedness.
Compiled from official sources — confirm details with the bill’s official record.
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