40 Groups Back Insurance Bills to Help Californians

Legislation aims to ensure families get benefits they paid for and maintain coverage

Apr. 14, 2026 at 6:02pm

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A dimly lit, cinematic painting of an insurance claims office, with warm sunlight streaming through the windows and deep shadows across the weathered walls, conceptually representing the challenges Californians face in getting the insurance benefits they deserve.As climate-fueled disasters strain California's insurance market, a coalition of groups is pushing for reforms to ensure families get the coverage they paid for.Today in Sacramento

A coalition of 40 organizations, including wildfire survivors, consumers, environmental groups, civil rights advocates, labor unions, small businesses, and community groups, is urging California lawmakers to pass four bills that would help families get the insurance benefits they paid for and keep Californians insured.

Why it matters

The proposed legislation aims to address ongoing challenges with insurance coverage and payouts, especially for wildfire victims, that have left many Californians struggling to recover and remain insured in the face of increasing natural disasters.

The details

The four bills would: 1) Require insurers to cover the full replacement cost of homes, 2) Prohibit insurers from dropping customers for filing claims, 3) Create a state-run reinsurance program to stabilize the insurance market, and 4) Establish an independent consumer advocate to represent policyholders' interests.

  • The coalition is calling on lawmakers to pass the bills during the current legislative session.

The players

Coalition of 40 Organizations

A diverse group of wildfire survivors, consumer advocates, environmental groups, civil rights organizations, labor unions, small businesses, and community groups.

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What’s next

The bills are currently under consideration by the California State Legislature, with a vote expected in the coming weeks.

The takeaway

This coalition-backed legislation aims to strengthen insurance protections for Californians, ensuring families can recover from disasters and maintain coverage in the face of increasing climate threats.