After the Governor declares a state of emergency for a wildfire, California Insurance Code §675.1 prohibits an insurer from canceling or non-renewing a homeowners policy for property in or near the burn area for how long?
Explanation
California Insurance Code §675.1 imposes a one-year moratorium following a declared wildfire emergency. During that period an insurer may not cancel or non-renew a residential property policy solely because the property is located within the perimeter or ZIP codes adjacent to the disaster, even if the insured did not suffer a direct loss. The protection applies to policies in force on the date of the declaration.
Law Reference: Cal. Ins. Code §675.1 (post-disaster moratorium)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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