California Insurance Regulation Initiative (2026)
| California Insurance Regulation Initiative | |
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| Election date |
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| Topic Business regulations and Insurance policy |
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| Status |
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| Type Initiated state statute |
Origin |
Not on the ballot
The California Insurance Regulation Initiative (#25-0020) is not on the ballot in California as an initiated state statute on November 3, 2026.
The initiative would have enacted insurance regulations, including:
- prohibiting insurance companies from denying coverage on residential properties that meet minimum wildfire prevention standards;
- requiring insurance companies to give policyholders specific reasons for their non-renewals; and
- requiring full payment for a personal property loss after a declared disaster.[1]
Text of measure
Ballot title
The ballot title was as follows:
| “ | New requirements for homeowner insurance policies. Initiative statute.[2] | ” |
Petition summary
The summary provided for inclusion on signature petition sheets was as follows:
| “ | Requires Insurance Commissioner to set wildfire safety standards for properties and insurers to offer homeowner insurance to properties that meet those standards. Insurers that do not offer insurance for such properties cannot sell automobile or home insurance in California for five years. Requires insurers to detail reasons for nonrenewal, specify repairs needed to obtain renewal, and allow more time for repairs. For homes destroyed by disaster, requires insurers to pay 100% of personal property coverage limit (up to $350,000) without requiring homeowner to submit an itemized claim. Authorizes refunds of rates found excessive.[2] | ” |
Full text
The full text of the initiative can be read here.
Path to the ballot
An initiated state statute is a citizen-initiated ballot measure that amends state statute. There are 21 states that allow citizens to initiate state statutes, including 14 that provide for direct initiatives and nine (9) that provide for indirect initiatives (two provide for both). An indirect initiated state statute goes to the legislature after a successful signature drive. The legislatures in these states have the option of approving the initiative itself, rather than the initiative appearing on the ballot.
In California, the number of signatures required for an initiated state statute is equal to 5% of the votes cast in the last gubernatorial election. A simple majority vote is required for voter approval. The requirements to get initiated state statutes certified for the 2026 ballot:
- Signatures: 546,651 valid signatures are required.
- Deadline: The deadline for signature verification is June 25, 2026. However, the secretary of state suggested deadlines for turning in signatures of January 12, 2026, for initiatives needing a full check of signatures and April 17, 2026, for initiatives needing a random sample of signatures verified.
Initiative #25-0020
- September 19, 2025: Jamie Court, Carmen Balber, and Harvey Rosenfield filed the initiative with the California Attorney General's Office.[1]
- November 25, 2025: The initiative was cleared for signature gathering.[3]
- December 2, 2025: The initiative was withdrawn.
See also
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External links
Footnotes
- ↑ 1.0 1.1 Attorney General Information: Initiative and Referendum Proposals Pending Review By Attorney General, "25-0020 text," accessed September 22, 2025
- ↑ 2.0 2.1 Note: This text is quoted verbatim from the original source. Any inconsistencies are attributable to the original source.
- ↑ Cite error: Invalid
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