AB 2061: California FAIR Plan Association: data.
- Session Year: 2025-2026
- House: Assembly
- Latest Version Date: 2026-09-30
Current Status:
Passed
(2026-09-30: Chaptered by Secretary of State - Chapter 918, Statutes of 2026.)
Introduced
In Committee
Awaiting First Chamber Vote
Passed First Chamber
In Committee
Awaiting Second Chamber Vote
Passed Second Chamber
Enacted
What does this bill do?
This bill requires the California FAIR Plan Association — the insurer of last resort for people who can’t get homeowners or basic property insurance — to post on its website every quarter the number of policies it has in each ZIP Code and its risk exposure (how much insurance risk the plan holds).
The summary is provided by generative AI which can make mistakes. For original language, please view the details in the table below.
Existing law creates the Department of Insurance to regulate the business of insurance. Existing law generally regulates residential property insurance, including homeowners insurance. Existing law establishes the California FAIR Plan Association, a joint reinsurance association in which all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the association to establish and maintain an internet website and toll-free telephone number, requires the association to cause the toll-free telephone number to be published in all general distribution telephone directories in the state, and requires the association to include the internet website address and toll-free telephone number on all communications with an applicant or insured.
This bill would require the association to, each quarter, post on its internet website specified information, including the number of policies issued by the association in each ZIP Code and the risk exposure of the association. The bill would delete the requirement that the association cause its toll-free telephone number to be published in all general distribution telephone directories in the state.
This bill would incorporate additional changes to Section 10095.5 of the Insurance Code proposed by AB 69 to be operative only if this bill and AB 69 are enacted and this bill is enacted last.
Existing law creates the Department of Insurance to regulate the business of insurance. Existing law generally regulates residential property insurance, including homeowners insurance. Existing law establishes the California FAIR Plan Association, a joint reinsurance association in which all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the association to establish and maintain an internet website and toll-free telephone number, requires the association to cause the toll-free telephone number to be published in all general distribution telephone directories in the state, and requires the association to include the internet website address and toll-free telephone number on all communications with an applicant or insured.
This bill would require the association to, each quarter, post on its internet website specified information, including the number of policies issued by the association in each ZIP Code and the risk exposure of the association. The bill would delete the requirement that the association cause its toll-free telephone number to be published in all general distribution telephone directories in the state.
This bill would incorporate additional changes to Section 10095.5 of the Insurance Code proposed by AB 69 to be operative only if this bill and AB 69 are enacted and this bill is enacted last.
Existing law creates the Department of Insurance to regulate the business of insurance. Existing law generally regulates residential property insurance, including homeowners insurance. Existing law establishes the California FAIR Plan Association, a joint reinsurance association in which all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the association to establish and maintain an internet website and toll-free telephone number, requires the association to cause the toll-free telephone number to be published in all general distribution telephone directories in the state, and requires the association to include the internet website address and toll-free telephone number on all communications with an applicant or insured.
This bill would require the association to, each quarter, post on its internet website specified information, including the number of policies issued by the association in each ZIP Code and the risk exposure of the association. The bill would delete the requirement that the association cause its toll-free telephone number to be published in all general distribution telephone directories in the state.
This bill would incorporate additional changes to Section 10095.5 of the Insurance Code proposed by AB 69 to be operative only if this bill and AB 69 are enacted and this bill is enacted last.
Existing law creates the Department of Insurance to regulate the business of insurance. Existing law generally regulates residential property insurance, including homeowners insurance. Existing law establishes the California FAIR Plan Association, a joint reinsurance association in which all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the association to establish and maintain an internet website and toll-free telephone number, requires the association to cause the toll-free telephone number to be published in all general distribution telephone directories in the state, and requires the association to include the internet website address and toll-free telephone number on all communications with an applicant or insured.
This bill would require the association to, each quarter, post on its internet website specified information, including the number of policies issued by the association in each ZIP Code and the risk exposure of the association. The bill would delete the requirement that the association cause its toll-free telephone number to be published in all general distribution telephone directories in the state.
Existing law creates the Department of Insurance to regulate the business of insurance. Existing law generally regulates residential property insurance, including homeowners insurance. Existing law establishes the California FAIR Plan Association, which is a joint reinsurance association where in which all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the association to establish and maintain an internet website and requires the association to include the internet website address on all communications with an applicant or insured.
This bill would require the association to, each quarter, post on its internet website specified information, including the number of policies issued by the association in each ZIP Code and the risk exposure of the association.
Existing law creates the Department of Insurance to regulate the business of insurance. Existing law generally regulates residential property insurance, including homeowners insurance. Existing law establishes the California FAIR Plan Association, which is a joint reinsurance association where all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the department to post various reports, enforcement notifications, and pleadings to the departments internet website. association to establish and maintain an internet website and requires the association to include the internet website address on all communications with an applicant or insured.
This bill would require the department to update its internet website to make it more user-friendly and accessible. The bill would require the update to include regularly posting data, including, but not limited to, home insurance market data, admitted market data, California FAIR Plan data, nonadmitted market data, profitability data, department performance data, and clear instructions for insurance brokers and agents to find and contact specified surplus line brokers. The bill would also require the information be available in an easily accessible and searchable format, including a downloadable spreadsheet. association to, each quarter, post on its internet website specified information, including the number of policies issued by the association in each ZIP Code and the risk exposure of the association.
Existing law creates the Department of Insurance to regulate the business of insurance. Existing law generally regulates residential property insurance, including homeowners insurance. Existing law establishes the California FAIR Plan Association, which is a joint reinsurance association where all insurers licensed to write basic property insurance participate to administer a program for the equitable apportionment of basic property insurance for persons who are unable to obtain that coverage through normal channels. Existing law requires the department to post various reports, enforcement notifications, and pleadings to the departments internet website.
This bill would require the department to update its internet website to make it more user-friendly and accessible. The bill would require the update to include regularly posting data, including, but not limited to, home insurance market data, admitted market data, California FAIR Plan data, nonadmitted market data, profitability data, department performance data, and clear instructions for insurance brokers and agents to find and contact specified surplus line brokers. The bill would also require the information be available in an easily accessible and searchable format, including a downloadable spreadsheet.
(a)The association shall establish and maintain an internet website and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance through the plan. The association shall include the toll-free telephone number and internet website address on all communications with an applicant or insured.
(b)An insurance agent or broker transacting basic property insurance shall assist a person seeking the agents or brokers help in obtaining basic property insurance coverage by any one of the following methods:
(1)Making an application for insurance through the plan by submitting an application at the persons request.
(2)Providing the person with the California FAIR Plans internet website address and the toll-free telephone number.
(3)Making an application for insurance, at the persons request, and placing that person with or through an insurer that offers, or a surplus line broker that procures, basic property insurance coverage.
SEC. 1.5.Section 10095.5 of the Insurance Code is amended to read:10095.5.(a)The association shall establish and maintain an internet website and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance through the plan. The association shall include the toll-free telephone number and internet website address on all communications with an applicant or insured.
(b)An insurance agent or broker transacting basic property insurance shall assist a person seeking the agents or brokers help in obtaining basic property insurance coverage by the following methods:
(1)Making an application for insurance through the plan by submitting an application at the persons request.
(2)Providing the person with the California FAIR Plans internet website address and the toll-free telephone number.
(3)Making an application for insurance, at the persons request, and placing that person with or through an insurer that offers, or a surplus line broker that procures, basic property insurance coverage.
(4)Providing the person with information on the clearinghouse programs referenced in subdivisions (i) and (j) of Section 10095.
(c)The association shall post on its internet website a list of admitted and nonadmitted insurers that participate in the clearinghouse programs referenced in subdivisions (i) and (j) of Section 10095 and shall update the list quarterly.
SEC. 2.Section 10095.9 is added to the Insurance Code, to read:10095.9.The association shall, each quarter, post on its internet website the following information:
(a)Number of policies issued by the association in each ZIP Code.
(b)The risk exposure of the association.
SEC. 3.Section 1.5 of this bill incorporates amendments to Section 10095.5 of the Insurance Code proposed by both this bill and Assembly Bill 69. That section of this bill shall only become operative if (1) both bills are enacted and become effective on or before January 1, 2027, (2) each bill amends Section 10095.5 of the Insurance Code, and (3) this bill is enacted after Assembly Bill 69, in which case Section 1 of this bill shall not become operative.
(a)The association shall establish and maintain an internet website and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance through the plan. The association shall include the toll-free telephone number and internet website address on all communications with an applicant or insured.
(b)An insurance agent or broker transacting basic property insurance shall assist a person seeking the agents or brokers help in obtaining basic property insurance coverage by any one of the following methods:
(1)Making an application for insurance through the plan by submitting an application at the persons request.
(2)Providing the person with the California FAIR Plans internet website address and the toll-free telephone number.
(3)Making an application for insurance, at the persons request, and placing that person with or through an insurer that offers, or a surplus line broker that procures, basic property insurance coverage.
SEC. 1.5.Section 10095.5 of the Insurance Code is amended to read:10095.5.(a)The association shall establish and maintain an internet website and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance through the plan. The association shall include the toll-free telephone number and internet website address on all communications with an applicant or insured.
(b)An insurance agent or broker transacting basic property insurance shall assist a person seeking the agents or brokers help in obtaining basic property insurance coverage by the following methods:
(1)Making an application for insurance through the plan by submitting an application at the persons request.
(2)Providing the person with the California FAIR Plans internet website address and the toll-free telephone number.
(3)Making an application for insurance, at the persons request, and placing that person with or through an insurer that offers, or a surplus line broker that procures, basic property insurance coverage.
(4)Providing the person with information on the clearinghouse programs referenced in subdivisions (i) and (j) of Section 10095.
(c)The association shall post on its internet website a list of admitted and nonadmitted insurers that participate in the clearinghouse programs referenced in subdivisions (i) and (j) of Section 10095 and shall update the list quarterly.
SEC. 2.Section 10095.9 is added to the Insurance Code, to read:10095.9.The association shall, each quarter, post on its internet website the following information:
(a)Number of policies issued by the association in each ZIP Code.
(b)The risk exposure of the association.
SEC. 3.Section 1.5 of this bill incorporates amendments to Section 10095.5 of the Insurance Code proposed by both this bill and Assembly Bill 69. That section of this bill shall only become operative if (1) both bills are enacted and become effective on or before January 1, 2027, (2) each bill amends Section 10095.5 of the Insurance Code, and (3) this bill is enacted after Assembly Bill 69, in which case Section 1 of this bill shall not become operative.
(a)The association shall establish and maintain an internet website and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance through the plan. The association shall include the toll-free telephone number and internet website address on all communications with an applicant or insured.
(b)An insurance agent or broker transacting basic property insurance shall assist a person seeking the agents or brokers help in obtaining basic property insurance coverage by any one of the following methods:
(1)Making an application for insurance through the plan by submitting an application at the persons request.
(2)Providing the person with the California FAIR Plans internet website address and the toll-free telephone number.
(3)Making an application for insurance, at the persons request, and placing that person with or through an insurer that offers, or a surplus line broker that procures, basic property insurance coverage.
SEC. 1.5.Section 10095.5 of the Insurance Code is amended to read:10095.5.(a)The association shall establish and maintain an Internet Web site internet website and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance through the plan. The association shall cause the toll-free telephone number to be published in all general distribution telephone directories in the state and shall include the toll-free telephone number and Internet Web site internet website address on all communications with an applicant or insured.
(b)An insurance agent or broker transacting basic property insurance shall assist a person seeking his or her the agents or brokers help in obtaining basic property insurance coverage by any one of the following methods:
(1)Making an application for insurance through the plan by submitting an application at the persons request.
(2)Providing the person with the California FAIR Plans Internet Web site internet website address and the toll-free telephone number.
(3)Making an application for insurance, at the persons request, and placing that person with or through an insurer that offers, or a surplus line broker that procures, basic property insurance coverage.
(4)Providing the person with information on the clearinghouse programs referenced in subdivisions (i) and (j) of Section 10095.
(c)The association shall post on its internet website a list of admitted and nonadmitted insurers that participate in the clearinghouse programs referenced in subdivisions (i) and (j) of Section 10095 and shall update the list quarterly.
SEC. 2.Section 10095.9 is added to the Insurance Code, to read:10095.9.The association shall, each quarter, post on its internet website the following information:
(a)Number of policies issued by the association in each ZIP Code.
(b)The risk exposure of the association.
SEC. 3.Section 1.5 of this bill incorporates amendments to Section 10095.5 of the Insurance Code proposed by both this bill and Assembly Bill 69. That section of this bill shall only become operative if (1) both bills are enacted and become effective on or before January 1, 2027, (2) each bill amends Section 10095.5 of the Insurance Code, and (3) this bill is enacted after Assembly Bill 69, in which case Section 1 of this bill shall not become operative.
(a)The association shall establish and maintain an Internet Web site internet website and a statewide toll-free telephone number through which a person may receive information and assistance in applying for insurance through the plan. The association shall cause the toll-free telephone number to be published in all general distribution telephone directories in the state and shall include the toll-free telephone number and Internet Web site internet website address on all communications with an applicant or insured.
(b)An insurance agent or broker transacting basic property insurance shall assist a person seeking his or her the agents or brokers help in obtaining basic property insurance coverage by any one of the following methods:
(1)Making an application for insurance through the plan by submitting an application at the persons request.
(2)Providing the person with the California FAIR Plans Internet Web site internet website address and the toll-free telephone number.
(3)Making an application for insurance, at the persons request, and placing that person with or through an insurer that offers, or a surplus line broker that procures, basic property insurance coverage.
SECTION 1.SEC. 2.Section 10095.9 is added to the Insurance Code, to read:10095.9.The association shall, each quarter, post on its internet website the following information:
(a)Number of policies issued by the association in each ZIP Code.
(b)The risk exposure of the association.
(c)Number of policyholders removed from the associations coverage through the clearinghouse program required under Section 10095.The association shall, each quarter, post on its internet website the following information:
(a)Number of policies issued by the association in each ZIP Code.
(b)The risk exposure of the association.
(c)Claims data for policies issued by the association, including number of claims filed, the number of claims closed with payment to the claimant, the number of claims closed without payment to the claimant, and number of claims outstanding.(d)(c)Number of policyholders removed from the associations coverage through the clearinghouse program required under Section 10095.
The association shall, each quarter, post on its internet website the following information:
(a)Number of policies issued by the association in each ZIP Code.
(b)The risk exposure of the association.
(c)Claims data for policies issued by the association, including number of claims filed, the number of claims closed with payment to the claimant, the number of claims closed without payment to the claimant, and number of claims outstanding.
(d)Number of policyholders removed from the associations coverage through the clearinghouse program required under Section 10095.
SECTION 1.Section 10095.9 is added to the Insurance Code, to read:10095.9.(a)The department shall update its internet website to make it more user-friendly and accessible. The update shall include regularly posting data regarding the state of the home insurance market and key indicators of the departments performance regulating the market. The information shall be available in an easily accessible and searchable format. The data shall also be made available in a downloadable spreadsheet. (b)The data uploaded to the departments internet website shall include all of the following:(1)Home insurance market data, including the number of homeowners policies by insurer type, total written premium, total written exposure, average written premium by year and county, and the number of new and renewed home insurance policies by year, type of insurer, and county. (2)Admitted market data, including the number of companies writing homeowner policies by year and market share and the number of nonrenewals and cancellations by year, county, and initiator.(3)California FAIR Plan data, including the number of nonrenewals and cancellations by year, county, and initiator and the number of difference in condition policies, by year.(4)Nonadmitted market data, including the total number of state-licensed surplus line brokers by year and the total number of approved surplus line insurers by year and home jurisdiction.(5)Profitability data, including written premium, earned premium, loss incurred, market share, and loss ratio by insurer and year. (6)Department performance data, including the number of filings made by year, by insurer, and the amount requested, status of each filing by processing time in number of days, and the number and length of interventions.(7)Clear instructions for insurance brokers and agents on how to lookup and contact the licensed surplus line brokers contained in the List of Approved Surplus Line Insurers located on the departments internet website.(a)The department shall update its internet website to make it more user-friendly and accessible. The update shall include regularly posting data regarding the state of the home insurance market and key indicators of the departments performance regulating the market. The information shall be available in an easily accessible and searchable format. The data shall also be made available in a downloadable spreadsheet.
(b)The data uploaded to the departments internet website shall include all of the following:
(1)Home insurance market data, including the number of homeowners policies by insurer type, total written premium, total written exposure, average written premium by year and county, and the number of new and renewed home insurance policies by year, type of insurer, and county.
(2)Admitted market data, including the number of companies writing homeowner policies by year and market share and the number of nonrenewals and cancellations by year, county, and initiator.
(3)California FAIR Plan data, including the number of nonrenewals and cancellations by year, county, and initiator and the number of difference in condition policies, by year.
(4)Nonadmitted market data, including the total number of state-licensed surplus line brokers by year and the total number of approved surplus line insurers by year and home jurisdiction.
(5)Profitability data, including written premium, earned premium, loss incurred, market share, and loss ratio by insurer and year.
(6)Department performance data, including the number of filings made by year, by insurer, and the amount requested, status of each filing by processing time in number of days, and the number and length of interventions.
(7)Clear instructions for insurance brokers and agents on how to lookup and contact the licensed surplus line brokers contained in the List of Approved Surplus Line Insurers located on the departments internet website.
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Date
|
Status
|
|---|---|
| Sep 30, 2026 | Chaptered by Secretary of State - Chapter 918, Statutes of 2026. |
| Sep 30, 2026 | Approved by the Governor. |
| Sep 15, 2026 | Enrolled and presented to the Governor at 3 p.m. |
| Aug 31, 2026 | Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 78. Noes 0.). |
| Aug 31, 2026 | Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 78. Noes 0. Page 6963.). |
| Aug 31, 2026 | Senate amendments concurred in. To Engrossing and Enrolling. |
| Aug 30, 2026 | In Assembly. Concurrence in Senate amendments pending. |
| Aug 30, 2026 | Ordered to special consent calendar. |
| Aug 30, 2026 | Read third time. Passed. Ordered to the Assembly. (Ayes 40. Noes 0.). |
| Aug 18, 2026 | Read second time. Ordered to third reading. |
| Aug 17, 2026 | Read third time and amended. Ordered to second reading. |
| Aug 10, 2026 | Ordered to third reading. |
| Aug 10, 2026 | From Consent Calendar. |
| Aug 4, 2026 | Read second time. Ordered to Consent Calendar. |
| Aug 3, 2026 | From committee: Be ordered to second reading file pursuant to Senate Rule 28.8 and ordered to Consent Calendar. |
| Jun 25, 2026 | From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 6. Noes 0.) (June 24). Re-referred to Com. on APPR. |
| Jun 18, 2026 | From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS. |
| Jun 10, 2026 | Referred to Com. on INS. |
| May 28, 2026 | In Senate. Read first time. To Com. on RLS. for assignment. |
| May 27, 2026 | Read third time. Passed. Ordered to the Senate. (Ayes 76. Noes 0.) |
| May 27, 2026 | Read third time. Passed. Ordered to the Senate. (Ayes 76. Noes 0. Page 5451.) |
| May 27, 2026 | Read third time. Passed. Ordered to the Senate. |
| May 18, 2026 | Read second time. Ordered to third reading. |
| May 14, 2026 | From committee: Do pass. (Ayes 15. Noes 0.) (May 14). |
| May 6, 2026 | In committee: Set, first hearing. Referred to APPR. suspense file. |
| Apr 22, 2026 | From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 16. Noes 0.) (April 22). Re-referred to Com. on APPR. |
| Apr 16, 2026 | Re-referred to Com. on INS. |
| Apr 15, 2026 | From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended. |
| Apr 7, 2026 | Re-referred to Com. on INS. |
| Apr 6, 2026 | From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended. |
| Mar 2, 2026 | Referred to Com. on INS. |
| Feb 19, 2026 | From printer. May be heard in committee March 21. |
| Feb 18, 2026 | Read first time. To print. |
|
Date
|
Description
|
Location
|
Votes
|
|
|---|---|---|---|---|
| Aug 31, 2026 | AB 2061 Chen Concurrence in Senate Amendments | Assembly Floor |
Passed |
|
| Aug 30, 2026 | Assembly 3rd Reading AB2061 Chen et al. By Niello | Senate Floor |
Passed |
|
| Jun 24, 2026 | Do pass, but first be re-referred to the Committee on [Appropriations] with the recommendation: To Consent Calendar | Senate Standing Committee on Insurance |
Passed |
|
| May 27, 2026 | AB 2061 Chen Assembly Third Reading | Assembly Floor |
Passed |
|
| May 14, 2026 | Do pass. | Assembly Standing Committee on Appropriations |
Passed |
|
| Apr 22, 2026 | Do pass and be re-referred to the Committee on [Appropriations] with recommendation: To Consent Calendar | Assembly Standing Committee on Insurance |
Passed |
This list shows positions taken on this bill by organizations on the date displayed, which is linked to the original source.
Positions by individuals are not included.
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Organization
|
Position
|
Date
|
|---|---|---|
| Little Hoover Commission | ** Support |
CONCURRENCE IN SENATE AMENDMENTS
CSA1 Bill Id:AB 2061
Author:(Chen)
As Amended Ver:August 17, 2026
Majority vote
SUMMARY
Requires the California Fair Access to Insurance Requirements (FAIR) Plan to post certain information quarterly on its website.
Major Provisions
- Requires the FAIR Plan to post the number of policies issued by the FAIR Plan in each zip code and risk exposure of the FAIR Plan.
Senate Amendments
- Delete the requirement that the FAIR Plan post the number of policyholders removed from the association's coverage through the clearinghouse program.
- Delete the requirement that the FAIR Plan provide its toll-free telephone number to be published in all general distribution telephone directories in California.
- Made other technical and clarifying changes plus chaptering out amendments.
COMMENTS
- The FAIR Plan is a private association of all licensed insurance companies created by the Legislature in 1968 to serve as the "insurer of last resort" for basic property insurance in the event of a market failure. Although originally envisioned to cover urban commercial property following the Watts Riots, the FAIR Plan expanded to include homeowners' insurance across the state and, more recently, due to the continued risk of catastrophic wildfires and admitted market withdrawal, expanded to commercial coverage of farms, ranches, and other agricultural businesses. In many places, the FAIR Plan is the only insurer available to property owners. As of December 2025, the FAIR Plan's policies in force reached over 668,000, representing a 4% increase since September 2025, and a 146% increase since September 2022. This bill requires the FAIR Plan to post information online quarterly regarding the FAIR Plan's policyholders and risk exposure.
- The California Department of Insurance required the FAIR Plan on July 1, 2025, by executive action, to be more transparent by posting total exposures, policy counts, and financial data on its internet website. This measure builds off of this executive action and places more structure and requirements of the FAIR Plan. Considering the number of policyholders in the FAIR Plan and the hopes of policyholder numbers stabilizing/declining, quarterly updates are necessary.
According to the Author
AB 2061 increases transparency by requiring the FAIR Plan Association to publicly report key data on a quarterly basis. This includes the number of policies issued in each ZIP Code, total risk exposure, detailed claims activity, and the number of policyholders transitioned out of the FAIR Plan through the clearinghouse program. The FAIR Plan should be transparent with their data and make every effort to allow every Californian to be easily informed about the insurance market in the state.
Arguments in Support
According to the Little Hoover Commission, "AB 2061 would be a step toward making information about homeowners insurance more accessible and informative, which is critical as more Californians rely on the FAIR Plan as a market of last resort."
Arguments in Opposition
None on file.
FISCAL COMMENTS
According to the Assembly Appropriations Committee, negligible costs to the California Department of Insurance (CDI), which has regulatory authority over the FAIR Plan.
VOTES:
ASM INSURANCE: 16-0-1
YES: Calderon, Wallis, Addis, Alvarez, Ávila Farías, Berman, Ellis, Gipson, Hadwick, Harabedian, Krell, Nguyen, Ortega, Petrie-Norris, Michelle Rodriguez, Valencia
ABS, ABST OR NV: Chen
ASM APPROPRIATIONS: 15-0-0
YES: Wicks, Hoover, Aguiar-Curry, Calderon, Caloza, Dixon, Fong, Mark González, Krell, Pacheco, Pellerin, Sharp-Collins, Solache, Ta, Tangipa
ASSEMBLY FLOOR: 76-0-4
YES: Addis, Aguiar-Curry, Ahrens, Alanis, Alvarez, Arambula, Ávila Farías, Bains, Bauer-Kahan, Bennett, Berman, Boerner, Bryan, Calderon, Caloza, Carrillo, Castillo, Chen, Connolly, Davies, DeMaio, Dixon, Elhawary, Ellis, Flora, Fong, Gabriel, Gallagher, Garcia, Gipson, Jeff Gonzalez, Mark González, Hadwick, Haney, Harabedian, Hart, Hoover, Irwin, Jackson, Johnson, Kalra, Krell, Lackey, Lowenthal, Macedo, McKinnor, Muratsuchi, Nguyen, Pacheco, Papan, Patel, Patterson, Pellerin, Petrie-Norris, Quirk-Silva, Ramos, Ransom, Michelle Rodriguez, Rogers, Blanca Rubio, Sanchez, Schiavo, Schultz, Sharp-Collins, Solache, Soria, Stefani, Ta, Tangipa, Valencia, Wallis, Ward, Wicks, Wilson, Zbur, Rivas
ABS, ABST OR NV: Bonta, Lee, Ortega, Celeste Rodriguez
UPDATED
VERSION: August 17, 2026
CONSULTANT: Kathleen O'Malley / INS. / (916) 319-2086 FN: 0004185
SENATE RULES COMMITTEE Office of Senate Floor Analyses (916) 651-4171 | AB 2061 |
THIRD READING
Bill No: AB 2061
Author: Chen (R), et al.
Amended: 8/17/26 in Senate
Vote: 21
SENATE INSURANCE COMMITTEE: 6-0, 6/24/26
AYES: Padilla, Niello, Becker, Menjivar, Richardson, Rubio
NO VOTE RECORDED: Jones
SENATE APPROPRIATIONS COMMITTEE: Senate Rule 28.8
ASSEMBLY FLOOR: 76-0, 5/27/26 - See last page for vote
SUBJECT: California FAIR Plan Association: data
SOURCE: Author
DIGEST:
This bill 1) requires the California Fair Access to Insurance Requirements Plan (FAIR Plan) to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure; and 2) removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
Senate Floor Amendments of 8/17/26 address chaptering issues.
ANALYSIS:
Existing law:
- Establishes the FAIR Plan to assure the stability of the property insurance market, to assure the availability of basic property insurance, as defined, to encourage maximum use of the normal insurance market in obtaining basic property insurance provided by admitted insurers and licensed surplus line brokers.
- Specifies that rates for the FAIR Plan shall not be excessive, inadequate, or unfairly discriminatory, shall be actuarially sound so that premiums are adequate to cover expected losses, expenses and taxes, and shall reflect investment income of the plan.
This bill:
- Requires the FAIR Plan to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure.
- Removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
- Includes provisions of AB 69 (Calderon, 2025) to address chaptering issues with that bill.
Related/Prior Legislation
AB 69 (Calderon, 2025). Enacts various provisions to assist FAIR Plan policyholders in securing coverage outside of the FAIR Plan. These provisions include providing policyholder information to interested insurers and agents or brokers of record simultaneously, while also making policyholders aware of additional coverage options. Pending on the Senate Floor.
AB 1680 (Calderon, 2026). Creates greater ability for the California Department of Insurance to ensure accountability and coverage options in the FAIR Plan. Pending on the Senate Floor.
AB 234 (Calderon, Chapter 474, Statutes of 2025). Required the Speaker of the Assembly and the Chairperson of the Senate Committee on Rules to serve as nonvoting, ex officio members of the governing committee, and authorized each to name a designee to serve in their place.
FISCAL EFFECT: Appropriation: No Fiscal Com.: Yes Local: No
SUPPORT: (Verified 8/3/26)
Little Hoover Commission
OPPOSITION: (Verified 8/3/26)
None received
ARGUMENTS IN SUPPORT: According to the Little Hoover Commission:
“In its 2024 report, Building a Stronger Home Insurance Market for California, the Commission found it difficult to answer basic questions about the state’s home insurance market using information currently available from the Department of Insurance. As a result, the Commission recommended that the Department modernize its website with timely and accessible information. Part of this recommendation included adding online data about the number of homeowners policies of the FAIR Plan, total written exposure, and the number of non-renewals and cancellations of the FAIR Plan, amongst many other data points.
AB 2061 would be a step toward making information about homeowners insurance more accessible and informative, which is critical as more Californians rely on the FAIR Plan as a market of last resort. For this reason, the Little Hoover Commission supports this bill.”
ASSEMBLY FLOOR: 76-0, 5/27/26
AYES: Addis, Aguiar-Curry, Ahrens, Alanis, Alvarez, Arambula, Ávila Farías, Bains, Bauer-Kahan, Bennett, Berman, Boerner, Bryan, Calderon, Caloza, Carrillo, Castillo, Chen, Connolly, Davies, DeMaio, Dixon, Elhawary, Ellis, Flora, Fong, Gabriel, Gallagher, Garcia, Gipson, Jeff Gonzalez, Mark González, Hadwick, Haney, Harabedian, Hart, Hoover, Irwin, Jackson, Johnson, Kalra, Krell, Lackey, Lowenthal, Macedo, McKinnor, Muratsuchi, Nguyen, Pacheco, Papan, Patel, Patterson, Pellerin, Petrie-Norris, Quirk-Silva, Ramos, Ransom, Michelle Rodriguez, Rogers, Blanca Rubio, Sanchez, Schiavo, Schultz, Sharp-Collins, Solache, Soria, Stefani, Ta, Tangipa, Valencia, Wallis, Ward, Wicks, Wilson, Zbur, Rivas
NO VOTE RECORDED: Bonta, Lee, Ortega, Celeste Rodriguez
Prepared by: Brandon Seto / INS. / (916) 651-4110
8/18/26 16:12:27
**** END ****
SENATE RULES COMMITTEE Office of Senate Floor Analyses (916) 651-4171 | AB 2061 |
THIRD READING
Bill No: AB 2061
Author: Chen (R), et al.
Amended: 6/18/26 in Senate
Vote: 21
SENATE INSURANCE COMMITTEE: 6-0, 6/24/26
AYES: Padilla, Niello, Becker, Menjivar, Richardson, Rubio
NO VOTE RECORDED: Jones
SENATE APPROPRIATIONS COMMITTEE: Senate Rule 28.8
ASSEMBLY FLOOR: 76-0, 5/27/26 - See last page for vote
SUBJECT: California FAIR Plan Association: data
SOURCE: Author
DIGEST:
This bill 1) requires the California Fair Access to Insurance Requirements Plan (FAIR Plan) to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure; and 2) removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
ANALYSIS:
Existing law:
- Establishes the FAIR Plan to assure the stability of the property insurance market, to assure the availability of basic property insurance, as defined, to encourage maximum use of the normal insurance market in obtaining basic property insurance provided by admitted insurers and licensed surplus line brokers.
- Specifies that rates for the FAIR Plan shall not be excessive, inadequate, or unfairly discriminatory, shall be actuarially sound so that premiums are adequate to cover expected losses, expenses and taxes, and shall reflect investment income of the plan.
This bill:
- Requires the FAIR Plan to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure.
- Removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
Related/Prior Legislation
AB 69 (Calderon, 2025). Enacts various provisions to assist FAIR Plan policyholders in securing coverage outside of the FAIR Plan. These provisions include providing policyholder information to interested insurers and agents or brokers of record simultaneously, while also making policyholders aware of additional coverage options. Pending in Senate Appropriations Committee.
AB 1680 (Calderon, 2026). Creates greater ability for the California Department of Insurance to ensure accountability and coverage options in the FAIR Plan. Pending in Senate Appropriations Committee.
AB 234 (Calderon, Chapter 474, Statutes of 2025). Required the Speaker of the Assembly and the Chairperson of the Senate Committee on Rules to serve as nonvoting, ex officio members of the governing committee, and authorized each to name a designee to serve in their place.
FISCAL EFFECT: Appropriation: No Fiscal Com.: Yes Local: No
SUPPORT: (Verified 8/3/26)
Little Hoover Commission
OPPOSITION: (Verified 8/3/26)
None received
ARGUMENTS IN SUPPORT: According to the Little Hoover Commission:
“In its 2024 report, Building a Stronger Home Insurance Market for California, the Commission found it difficult to answer basic questions about the state’s home insurance market using information currently available from the Department of Insurance. As a result, the Commission recommended that the Department modernize its website with timely and accessible information. Part of this recommendation included adding online data about the number of homeowners policies of the FAIR Plan, total written exposure, and the number of non-renewals and cancellations of the FAIR Plan, amongst many other data points.
AB 2061 would be a step toward making information about homeowners insurance more accessible and informative, which is critical as more Californians rely on the FAIR Plan as a market of last resort. For this reason, the Little Hoover Commission supports this bill.”
ASSEMBLY FLOOR: 76-0, 5/27/26
AYES: Addis, Aguiar-Curry, Ahrens, Alanis, Alvarez, Arambula, Ávila Farías, Bains, Bauer-Kahan, Bennett, Berman, Boerner, Bryan, Calderon, Caloza, Carrillo, Castillo, Chen, Connolly, Davies, DeMaio, Dixon, Elhawary, Ellis, Flora, Fong, Gabriel, Gallagher, Garcia, Gipson, Jeff Gonzalez, Mark González, Hadwick, Haney, Harabedian, Hart, Hoover, Irwin, Jackson, Johnson, Kalra, Krell, Lackey, Lowenthal, Macedo, McKinnor, Muratsuchi, Nguyen, Pacheco, Papan, Patel, Patterson, Pellerin, Petrie-Norris, Quirk-Silva, Ramos, Ransom, Michelle Rodriguez, Rogers, Blanca Rubio, Sanchez, Schiavo, Schultz, Sharp-Collins, Solache, Soria, Stefani, Ta, Tangipa, Valencia, Wallis, Ward, Wicks, Wilson, Zbur, Rivas
NO VOTE RECORDED: Bonta, Lee, Ortega, Celeste Rodriguez
Prepared by: Brandon Seto / INS. / (916) 651-4110
8/11/26 9:14:24
**** END ****
SENATE RULES COMMITTEE Office of Senate Floor Analyses (916) 651-4171 | AB 2061 |
CONSENT
Bill No: AB 2061
Author: Chen (R), et al.
Amended: 6/18/26 in Senate
Vote: 21
SENATE INSURANCE COMMITTEE: 6-0, 6/24/26
AYES: Padilla, Niello, Becker, Menjivar, Richardson, Rubio
NO VOTE RECORDED: Jones
SENATE APPROPRIATIONS COMMITTEE: Senate Rule 28.8
ASSEMBLY FLOOR: 76-0, 5/27/26 - See last page for vote
SUBJECT: California FAIR Plan Association: data
SOURCE: Author
DIGEST:
This bill 1) requires the California Fair Access to Insurance Requirements Plan (FAIR Plan) to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure; and 2) removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
ANALYSIS:
Existing law:
- Establishes the FAIR Plan to assure the stability of the property insurance market, to assure the availability of basic property insurance, as defined, to encourage maximum use of the normal insurance market in obtaining basic property insurance provided by admitted insurers and licensed surplus line brokers.
- Specifies that rates for the FAIR Plan shall not be excessive, inadequate, or unfairly discriminatory, shall be actuarially sound so that premiums are adequate to cover expected losses, expenses and taxes, and shall reflect investment income of the plan.
This bill:
- Requires the FAIR Plan to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure.
- Removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
Related/Prior Legislation
AB 69 (Calderon, 2025). Enacts various provisions to assist FAIR Plan policyholders in securing coverage outside of the FAIR Plan. These provisions include providing policyholder information to interested insurers and agents or brokers of record simultaneously, while also making policyholders aware of additional coverage options. Pending in Senate Appropriations Committee.
AB 1680 (Calderon, 2026). Creates greater ability for the California Department of Insurance to ensure accountability and coverage options in the FAIR Plan. Pending in Senate Appropriations Committee.
AB 234 (Calderon, Chapter 474, Statutes of 2025). Required the Speaker of the Assembly and the Chairperson of the Senate Committee on Rules to serve as nonvoting, ex officio members of the governing committee, and authorized each to name a designee to serve in their place.
FISCAL EFFECT: Appropriation: No Fiscal Com.: Yes Local: No
SUPPORT: (Verified 8/3/26)
Little Hoover Commission
OPPOSITION: (Verified 8/3/26)
None received
ARGUMENTS IN SUPPORT: According to the Little Hoover Commission:
“In its 2024 report, Building a Stronger Home Insurance Market for California, the Commission found it difficult to answer basic questions about the state’s home insurance market using information currently available from the Department of Insurance. As a result, the Commission recommended that the Department modernize its website with timely and accessible information. Part of this recommendation included adding online data about the number of homeowners policies of the FAIR Plan, total written exposure, and the number of non-renewals and cancellations of the FAIR Plan, amongst many other data points.
AB 2061 would be a step toward making information about homeowners insurance more accessible and informative, which is critical as more Californians rely on the FAIR Plan as a market of last resort. For this reason, the Little Hoover Commission supports this bill.”
ASSEMBLY FLOOR: 76-0, 5/27/26
AYES: Addis, Aguiar-Curry, Ahrens, Alanis, Alvarez, Arambula, Ávila Farías, Bains, Bauer-Kahan, Bennett, Berman, Boerner, Bryan, Calderon, Caloza, Carrillo, Castillo, Chen, Connolly, Davies, DeMaio, Dixon, Elhawary, Ellis, Flora, Fong, Gabriel, Gallagher, Garcia, Gipson, Jeff Gonzalez, Mark González, Hadwick, Haney, Harabedian, Hart, Hoover, Irwin, Jackson, Johnson, Kalra, Krell, Lackey, Lowenthal, Macedo, McKinnor, Muratsuchi, Nguyen, Pacheco, Papan, Patel, Patterson, Pellerin, Petrie-Norris, Quirk-Silva, Ramos, Ransom, Michelle Rodriguez, Rogers, Blanca Rubio, Sanchez, Schiavo, Schultz, Sharp-Collins, Solache, Soria, Stefani, Ta, Tangipa, Valencia, Wallis, Ward, Wicks, Wilson, Zbur, Rivas
NO VOTE RECORDED: Bonta, Lee, Ortega, Celeste Rodriguez
Prepared by: Brandon Seto / INS. / (916) 651-4110
8/5/26 15:04:22
**** END ****
SENATE COMMITTEE ON INSURANCE
Senator Stephen Padilla, Chair
2025 - 2026 Regular
Bill No: AB 2061 Hearing Date: June 24, 2026
Author: | Chen | ||
Version: | June 18, 2026 Amended | ||
Urgency: | No | Fiscal: | Yes |
Consultant: | Brandon Seto | ||
SUBJECT: California FAIR Plan Association: data
DIGEST:
Requires the California Fair Access to Insurance Requirements Plan (FAIR Plan) to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure. Additionally, removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
ANALYSIS:
Existing law:
- Establishes the FAIR Plan to assure the stability of the property insurance market, to assure the availability of basic property insurance, as defined, to encourage maximum use of the normal insurance market in obtaining basic property insurance provided by admitted insurers and licensed surplus line brokers.
- Specifies that rates for the FAIR Plan shall not be excessive, inadequate, or unfairly discriminatory, shall be actuarially sound so that premiums are adequate to cover expected losses, expenses and taxes, and shall reflect investment income of the plan.
This bill:
- Requires the FAIR Plan to post quarterly on its website, the number of policies it issued in each ZIP Code and its risk exposure.
- Removes the requirement that the FAIR Plan publish its telephone number in all general distribution telephone directories in the state.
Background
According to the author:
“AB 2061 increases transparency by requiring the FAIR Plan Association to include specified insurance data for homeowners, insurance agents, policymakers, researchers, and others. The FAIR Plan should be transparent with their data and make every effort to allow every Californian to be easily informed about the insurance market in the state.”
Related/Prior Legislation
AB 69 (Calderon). Enacts various provisions to assist FAIR Plan policyholders in securing coverage outside of the FAIR Plan. These provisions include providing policyholder information to interested insurers and agents or brokers of record simultaneously, while also making policyholders aware of additional coverage options. Pending in Senate Insurance Committee.
AB 1680 (Calderon). Creates greater ability for the California Department of Insurance to ensure accountability and coverage options in the FAIR Plan. Pending in Senate Insurance Committee.
AB 234 (Calderon, Chapter 474, Statutes of 2025). Required the Speaker of the Assembly and the Chairperson of the Senate Committee on Rules to serve as nonvoting, ex officio members of the governing committee, and authorized each to name a designee to serve in their place.
ARGUMENTS IN SUPPORT:
According to the Little Hoover Commission:
“In its 2024 report, Building a Stronger Home Insurance Market for California, the Commission found it difficult to answer basic questions about the state’s home insurance market using information currently available from the Department of Insurance. As a result, the Commission recommended that the Department modernize its website with timely and accessible information. Part of this recommendation included adding online data about the number of homeowners policies of the FAIR Plan, total written exposure, and the number of non-renewals and cancellations of the FAIR Plan, amongst many other data points.
AB 2061 would be a step toward making information about homeowners insurance more accessible and informative, which is critical as more Californians rely on the FAIR Plan as a market of last resort. For this reason, the Little Hoover Commission supports this bill.”
ARGUMENTS IN OPPOSITION:
None received.
SUPPORT:
Little Hoover Commission
OPPOSITION:
None.
-- END --
ASSEMBLY THIRD READING
ATR Bill Id:AB 2061
Author:(Chen)
As Amended Ver:April 15, 2026
Majority vote
SUMMARY
Requires the California Fair Access to Insurance Requirements (FAIR) Plan to post certain information quarterly on its website.
Major Provisions
Requires the FAIR Plan to post: number of policies issued by the FAIR Plan in each zip code, risk exposure of the FAIR Plan, and number of policyholders removed from the FAIR Plan′s coverage through the clearinghouse program.
COMMENTS
- The FAIR Plan is a private association of all licensed insurance companies created by the Legislature in 1968 to serve as the ″insurer of last resort″ for basic property insurance in the event of a market failure. Although originally envisioned to cover urban commercial property following the Watts Riots, the FAIR Plan expanded to include homeowners′ insurance across the state and, more recently, due to the continued risk of catastrophic wildfires and admitted market withdrawal, expanded to commercial coverage of farms, ranches, and other agricultural businesses. In many places, the FAIR Plan is the only insurer available to property owners. As of December 2025, the FAIR Plan′s policies in force reached over 668,000, representing a 4% increase since September 2025, and a 146% increase since September 2022. This bill requires the FAIR Plan to post information online quarterly regarding the FAIR Plan′s policyholders and risk exposure.
- CDI required the FAIR Plan on July 1, 2025, by executive action, to be more transparent by posting total exposures, policy counts, and financial data on its internet website. This measure builds off of this executive action and places more structure and requirements of the FAIR Plan. Considering the policyholder growth of the FAIR Plan and the hopes of policyholder numbers stabilizing/declining, quarterly updates are necessary.
According to the Author
AB 2061 increases transparency by requiring the FAIR Plan Association to publicly report key data on a quarterly basis. This includes the number of policies issued in each ZIP Code, total risk exposure, detailed claims activity, and the number of policyholders transitioned out of the FAIR Plan through the clearinghouse program. The FAIR Plan should be transparent with their data and make every effort to allow every Californian to be easily informed about the insurance market in the state.
Arguments in Support
According to the Little Hoover Commission, ″AB 2061 would be a step toward making information about homeowners insurance more accessible and informative, which is critical as more Californians rely on the FAIR Plan as a market of last resort.″
Arguments in Opposition
None on file.
FISCAL COMMENTS
According to the Assembly Appropriations Committee, negligible costs to CDI, which has regulatory authority over the FAIR Plan.
VOTES
ASM INSURANCE: 16-0-1
YES: Calderon, Wallis, Addis, Alvarez, Ávila Farías, Berman, Ellis, Gipson, Hadwick, Harabedian, Krell, Nguyen, Ortega, Petrie-Norris, Michelle Rodriguez, Valencia
ABS, ABST OR NV: Chen
ASM APPROPRIATIONS: 15-0-0
YES: Wicks, Hoover, Aguiar-Curry, Calderon, Caloza, Dixon, Fong, Mark González, Krell, Pacheco, Pellerin, Sharp-Collins, Solache, Ta, Tangipa
UPDATED
VERSION: April 15, 2026
CONSULTANT: Kathleen O′Malley / INS. / (916) 319-2086 FN: 0002620
Date of Hearing: May 6, 2026
ASSEMBLY COMMITTEE ON APPROPRIATIONS
Buffy Wicks, Chair
ABPCA Bill Id:AB 2061
Author:(Chen) – As Amended Ver:April 15, 2026
Policy Committee: | Insurance | Vote: | 16 - 0 |
|
| ||
|
|
Urgency: No State Mandated Local Program: No Reimbursable: No
SUMMARY:
This bill requires the California Fair Access to Insurance Requirements (FAIR) Plan to post certain information quarterly on its website.
The required information is the number of policies issued by the FAIR Plan in each zip code, risk exposure of the FAIR Plan, and number of policyholders removed from the FAIR Plan’s coverage through the clearinghouse program.
FISCAL EFFECT:
Negligible costs to CDI, which has regulatory authority over the FAIR Plan. However, since this bill requires certain information be reported online, which is akin to creating a report, this bill qualifies for this committee’s suspense file pursuant to committee rules and custom and practice.
COMMENTS:
- Purpose. According to the author:
AB 2061 increases transparency by requiring the FAIR Plan Association to publicly report key data on a quarterly basis. This includes the number of policies issued in each ZIP Code, total risk exposure, detailed claims activity, and the number of policyholders transitioned out of the FAIR Plan through the clearinghouse program. The FAIR Plan should be transparent with their data and make every effort to allow every Californian to be easily informed about the insurance market in the state.
This bill is supported by the Little Hoover Commission.
- Evolution of the FAIR Plan. The FAIR Plan is a private association of all licensed insurance companies created by the Legislature in 1968 to serve as the “insurer of last resort” for basic property insurance in the event of a market failure. Although originally envisioned to cover urban commercial property following the Watts Riots, the FAIR Plan expanded to include homeowners’ insurance across the state and, more recently, due to the continued risk of catastrophic wildfires and admitted market withdrawal, expanded to commercial coverage of farms, ranches, and other agricultural businesses. In many places, the FAIR Plan is the only insurer available to property owners. As of December 2025, the FAIR Plan’s policies in force reached over 668,000, representing a 4% increase since September 2025, and a 146% increase since September 2022. This bill requires the FAIR Plan to post information online quarterly regarding the FAIR Plan’s policyholders and risk exposure.
Analysis Prepared by: Irene Ho / APPR. / (916) 319-2081
Date of Hearing: April 22, 2026
ASSEMBLY COMMITTEE ON INSURANCE
Lisa Calderon, Chair
ABPCA Bill Id:AB 2061 (
Author:Chen) – As Amended Ver:April 14, 2026
SUBJECT: California FAIR Plan Association: data
SUMMARY: Requires the California Fair Access to Insurance Requirements (FAIR) Plan to post specified information, quarterly, on its internet website. Specifically, this bill:
- Specifies the information to be posted must include:
- The number of policies issued by the FAIR Plan in each ZIP code;
- The risk exposure of the FAIR Plan; and,
- The number of policyholders removed from the FAIR Plan through the clearinghouse program.
EXISTING LAW:
- States that the FAIR Plan was established to assure stability, to assure the availability, to encourage maximum use, and to provide for equitable distribution among admitted insurers of the responsibility for insuring qualified property for which basic property insurance cannot be obtained through the normal insurance market. (Insurance (Ins.) Code, Section 10090)
- Specifies that rates for the FAIR Plan shall not be excessive, inadequate, or unfairly discriminatory, shall be actuarially sound so that premiums are adequate to cover expected losses, expenses and taxes, and shall reflect investment income of the plan. (Ins. Code, Section 10100.2)
- Allows the FAIR Plan, with approval from the Insurance Commissioner, to assess all members in amounts sufficient to operate the facility. (Ins. Code, Section 10094)
- Requires all members of the FAIR Plan to participate in the writings, expenses, profits, and losses of the FAIR Plan in the proportion to its premiums written during the second preceding calendar year bear to the aggregate premiums written by all insurers. (Ins. Code, Section 10095)
- Requires the FAIR Plan to develop and implement a residential clearinghouse program and a commercial clearinghouse program. (Ins. Code, Section 10095)
FISCAL EFFECT: Unknown.
COMMENTS:
- Purpose of the bill: According to the Author, “AB 2061 increases transparency by requiring the FAIR Plan Association to publicly report key data on a quarterly basis. This includes the number of policies issued in each ZIP Code, total risk exposure, detailed claims activity, and the number of policyholders transitioned out of the FAIR Plan through the clearinghouse program. The FAIR Plan should be transparent with their data and make every effort to allow every Californian to be easily informed about the insurance market in the state.”
- CDI Action: CDI required the FAIR Plan on July 1, 2025, by executive action, to be more transparent by posting total exposures, policy counts, and financial data on its internet website. This measure builds off of this executive action and places more structure and requirements of the FAIR Plan. Considering the policyholder growth of the FAIR Plan and the hopes of policyholder numbers stabilizing/declining, quarterly updates are necessary.
- Background: The California FAIR Plan is an association of all insurance companies licensed by CDI that provides basic property and casualty insurance in California. It was created in response to urban disturbances, notably the Watts Riots in Los Angeles.
The purpose of the FAIR Plan is to provide “basic” property insurance in the event of a market failure. At inception, that was essentially urban commercial property. Ultimately, it has expanded to include homeowners’ insurance anywhere in the state, provided that such insurance “cannot be obtained” in the normal manner in the market.
The FAIR Plan was established to ensure that urban property owners, mostly businesses, would have “fair access” to the property insurance necessary to continue to operate in a market that insurers viewed as too risky to cover. That risk evaluation resulted in a substantial market withdrawal by insurers from the urban property market. Despite its initial creation as an urban/business “insurer of last resort,” the FAIR Plan expanded to provide coverage in “designated” brush fire regions of the state. It operated fairly well in this manner until the mid-1990’s, when, as a consequence of the genuine homeowners’ insurance crisis that followed the Northridge earthquake in 1994, the entire state was designated as the appropriate FAIR Plan coverage region.
FAIR Plan policies are capped at limits of $3.3 million for residential properties, and $20 million per structure (up to $100 million) for commercial properties. These caps were increased by the Insurance Commissioner in 2020 for residential and 2023 for commercial. Commercial went from $8.4 million per location in 2021, to $20 million per location in 2023, to $20 million per structure with a $100 million max, finalized in July 2025 and set to sunset in 2028.
FAIR Plan residential dwelling policies now cover manufactured homes and mobile homes. FAIR Plan commercial policies can also cover homeowners’ associations, condo associations, farms, and businesses.
By statute, the FAIR Plan policy is not as broad as traditional homeowners’ policies. Nonetheless, it is a fully sound and guaranteed policy that satisfies lenders’ security requirements and protects the property against the primary risk factor faced by homeowners: [wild]fire. Other coverages should be readily available in the market (typically through the purchase of a “difference-in-conditions” or “DIC” policy), which provide wraparound coverage that, coupled with a FAIR Plan policy, results in the same protection provided by a standard homeowner’s policy.
According to the FAIR Plan, as of December 2025, the FAIR Plan’s total exposure in California is $724 billion, reflecting a 4% increase since September 2025 and a 230% increase since September 2022.
As of December 2025, the FAIR Plan’s policies in force reached 668,609, a 4% increase since September 2025, and a 146% increase since September 2022.
- Related Legislation: AB 69 (Calderon) requires the FAIR Plan to provide all policyholders with a notice regarding their coverage options at least annually, including with the initial policy issuance and upon each renewal. Pending before the Senate Insurance Committee.
AB 1680 (Calderon) establishes the Make it Fair Act. Pending before the Assembly Appropriations Committee.
- Previous legislation: AB 226 (Calderon & Alvarez) Chapter 473, Statutes of 2025, creates the FAIR Plan Stabilization Act, which authorizes the California Infrastructure and Economic Development Bank, upon the request of the California FAIR Plan to issue bonds to finance the costs of claims, to increase liquidity, and claims-paying capacity of the FAIR Plan, and to refund bonds previously issued for that purpose.
AB 234 (Calderon) Chapter 474, Statutes of 2025, requires the Speaker of the Assembly and the Chairperson of the Senate Committee on Rules to serve as nonvoting, ex officio members of the governing committee, and would authorize each to name a designee to serve in their place.
AB 290 (Bauer-Kahan) Chapter 475, Statutes of 2025, requires the FAIR Plan to accept automatic payments for policyholder premiums and provides a policyholder with a 10-day grace period to pay an outstanding installment premium.
SB 525 (Jones) Chapter 476, Statutes of 2025, expands “basic property insurance” offered through the FAIR Plan to include manufactured homes insurance that is comparable to basic property insurance sold for residential dwellings.
SB 11 (Rubio) Chapter 128, Statues of 2021, authorized the FAIR Plan to sell commercial coverage to farms.
SB 505 (Rubio) Chapter 180, Statutes of 2023, required by July 1, 2024, the FAIR Plan to establish a clearinghouse program for commercial insurance policies.
AB 3012 (Daly & Wood) Chapter 258, Statutes of 2020, directs the FAIR Plan to implement a clearinghouse program whereby property insurers will be provided information about FAIR Plan policies, for the purpose of encouraging those insurers to offer regular private insurance to FAIR Plan policyholders.
AB 1816 (Daly) Chapter 833, Statutes of 2019, expands the regions of the state in which an insurer can accrue "writeout credits" to include areas designated by CalFire as high or very high fire risk. Also, requires the FAIR Plan to periodically provide data regarding the use of writeout credits by insurers to the Legislature, the Governor, and CDI.
REGISTERED SUPPORT / OPPOSITION:
Support
Little Hoover Commission
Opposition
None on file.
Analysis Prepared by: Kathleen O'Malley / INS. / (916) 319-2086
Discussed in Hearing
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Bill Author
Bill Co-Author(s):
