AB 1339 California Assembly · 2025-2026 Regular Session

Department of Insurance: housing insurance study.

Summary

Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department's powers and duties. Existing law generally regulates classes of insurance. This bill would require the department, upon appropriation and in consultation with specified entities and affordable housing entities, to conduct a study of the property, liability, and builders' risk insurance coverages available to affordable housing entities, as defined, that receive a grant, loan, or tax credit awarded by the Department of Housing and Community Development or the California Tax Credit Allocation Committee. The bill would require an insurer to provide necessary information requested by the commissioner for the study. The bill would require the department, in conducting the study, to, among other things, (1) collect information from relevant entities, (2) identify barriers to keeping the affordable housing entities appropriately insured, and (3) analyze and request any other relevant information that may help the department analyze the availability of property, liability, and builders' risk insurance coverage for specified affordable housing entities. The bill would also require the department to analyze how, if at all, insurers consider specified determinations of offers or rate setting, including the level or source of income of an individual or group of individuals residing or intending to reside upon the property to be insured. The bill would require the department to submit a report on the study to the Senate Committee on Insurance and the Assembly Committee on Insurance within one year of the above-described appropriation. The bill would require that report to make recommendations on potential policy and budget options to address insurance coverage cost and access challenges for specified affordable housing entities as identified in the study. The bill would repeal these provisions as of January 1, 2031. The bill would also make related findings and declarations.

Bill status signed all 5 stages cleared

Introduction

Feb 2025

Committee Review

Aug 2025

Assembly Passage

Jun 2025

Senate Passage

Sep 2025

Signed into Law

Oct 2025

Introduced Feb 21, 2025 Signed Oct 13, 2025

Maddy AI version diff · 5 comparisons

What changed between versions

07/02/25 - Amended Senate → 09/08/25 - Enrolled · 3 edits · Sep 8, 2025

MINOR

The changes between the Senate-amended version and the enrolled version of AB 1339 are primarily formatting and presentational. The enrolled version removes line numbers, resolves amendment markup into clean final text, and adds passage dates (Assembly September 4, Senate September 3) and governor approval lines. The substantive policy content - requiring the Department of Insurance to study insurance coverage for affordable housing entities, with a report due within one year of appropriation and a sunset date of January 1, 2031 - is identical in both versions.

TECHNICAL

Report deadline text was cleaned up from amendment markup showing both 'December 31, 2026' and 'within one year of the appropriation' into the final enacted language: 'within one year of the appropriation made pursuant to Section 13854.'

Sunset/repeal date was cleaned up from amendment markup showing both 'January 1, 2027' and '2031' into the final enacted language: 'January 1, 2031.'

Enrolled bill formatting added: passage dates (Assembly September 4, 2025; Senate September 3, 2025), governor receipt and approval lines, and removal of line numbers throughout.

05/01/25 - Amended Assembly → 07/02/25 - Amended Senate · 5 edits · Jul 2, 2025

MODERATE

The Senate amendment extends the bill's sunset date from January 1, 2027 to January 1, 2031, giving the study chapter four additional years of effect. It also removes a specific mandate requiring the Department of Insurance to collect five years of detailed data on policy counts, nonrenewals, claims activity, and premium/deductible amounts, replacing it with broader language about collecting information from relevant insurers. Additionally, the report deadline is now tied to the timing of any legislative appropriation, and 'nonadmitted' insurers are removed from the consultation requirement.

TIMELINE

The sunset date for the entire chapter was extended from January 1, 2027 to January 1, 2031, giving the study provisions four more years of effect.

The report deadline now includes an additional condition: it must be submitted 'within one year of the appropriation made pursuant to Section 13854,' tying the deadline to when funding is actually provided rather than a fixed calendar date alone.

REQUIREMENT

Removed the specific requirement that the department obtain data from the previous five years on the number and types of insurance policies in effect, reasons for policy nonrenewals or cancellations, claims activity, and premium and deductible amounts. The Senate version replaces this with a simpler directive to 'collect information necessary to conduct the study from relevant insurers.'

SCOPE

Removed 'nonadmitted' from the list of insurers the department must consult with during the study. The Assembly version required consultation with both 'admitted and nonadmitted insurers'; the Senate version only requires consultation with 'admitted insurers.'

ENFORCEMENT

Removed the explicit statement that 'Identified admitted and nonadmitted insurers, insurance captives, and risk retention groups shall provide the requested information to the department,' which had given the data collection requirement a more specific enforcement mechanism.

Floor votes · Senate Sep 3, 2025 · Assembly Jun 3, 2025

How they voted

40–0

Passed

Total votes 40

Sep 3, 2025

D Democratic30

30 Yea

100% Yea

R Republican10

10 Yea

100% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Oct 13, 2025

Signed into law

Approved by the Governor.

legislature

Sep 4, 2025

Lower · Passed

Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 78. Noes 0. Page 2925.).

lower

Sep 3, 2025

Introduced

In Assembly. Concurrence in Senate amendments pending.

lower

Sep 3, 2025

Upper · Passed

Read third time. Passed. Ordered to the Assembly. (Ayes 40. Noes 0. Page 2447.).

upper

Aug 19, 2025

Upper · Passed

From committee: Do pass. (Ayes 7. Noes 0.) (August 18).

upper

Jul 10, 2025

Upper · Passed

From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 7. Noes 0.) (July 9). Re-referred to Com. on APPR.

upper

Jul 2, 2025

Introduced

From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS.

upper

Jun 18, 2025

Committee

Referred to Com. on INS.

upper

Jun 3, 2025

Lower · Passed

Read third time. Passed. Ordered to the Senate. (Ayes 79. Noes 0. Page 1994.)

lower

May 23, 2025

Lower · Passed

From committee: Do pass. (Ayes 14. Noes 0.) (May 23).

lower

May 14, 2025

Committee

In committee: Set, first hearing. Referred to APPR. suspense file.

lower

May 5, 2025

Committee

Re-referred to Com. on APPR.

lower

May 1, 2025

Lower · Passed

Read second time and amended.

lower

Apr 30, 2025

Introduced

From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 16. Noes 0.) (April 30).

lower

Mar 13, 2025

Committee

Referred to Com. on INS.

lower

Feb 22, 2025

Lower · Passed

From printer. May be heard in committee March 24.

lower

Feb 21, 2025

Introduced

Introduced. To print.

lower

1 primary · 3 co-sponsors