California Bulletin 2024-11

California has issued a moratorium for all admitted and non-admitted Insurers writing residential property insurance due to wildfires causing a state of emergency. Please note that this may apply to MUSIC Lessor’s Risk policies.

California defines a policy of residential property insurance as a policy insuring individually owned residential structures of not more than four dwelling units, individually owned condominium units, or individually owned mobile homes, and their contents, located in this state and used exclusively for residential purposes or a tenant's policy insuring personal contents of a residential unit located in this state.

Read Bulletin 2024-11 on the California Department of Insurance website.

The moratorium will be in place for 1 year. The year-long period begins when the state of emergency has been lifted.

No admitted or non-admitted insurer shall issue a notice of cancellation or non-renewal due to wildfire risk for any policy of residential property insurance, including all homeowners’, condo unit owners’, mobile homeowners’, or residential renters’ insurance policies, that are located in a ZIP Code identified by this bulletin or any subsequent bulletin

All admitted and non-admitted insurers writing policies of residential property insurance in California must offer to rescind any notices of cancellation or non-renewal issued due to wildfire risk since the Governor’s September 29, 2024 emergency declarations and offer to reinstate or renew policies in effect at the time of the applicable emergency declaration, if any such notices of cancellation or nonrenewal were issued due to wildfire risk on or after the date of the emergency declaration, and the properties are located in ZIP Codes identified by this bulletin

The affected zip codes are 95422, 95423, 95451, 95457, 95679, 95987