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  "id": "ca-ins-code-675-1",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-07",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California Insurance Code Section 675.1 (post-disaster cancellation and nonrenewal limits for residential property insurance)",
  "publisher": "California Legislative Information, Office of Legislative Counsel",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=675.1",
  "officialHost": true,
  "sourceType": "statute",
  "authorityLevel": "primary-law",
  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Amended by legislation, and the operative facts change with each emergency proclamation; re-check leginfo and the current CDI moratorium ZIP code lists before each publication cycle.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "ca-ins-code-675-1#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c1",
      "checksum": "72ca51d69c54",
      "text": "California Insurance Code Section 675.1 provides that an insurer shall not cancel or refuse to renew a policy of residential property insurance for a property located in any ZIP Code within or adjacent to the fire perimeter, for one year after the declaration of a state of emergency, based solely on the fact that the insured structure is located in an area in which a wildfire has occurred."
    },
    {
      "claimId": "ca-ins-code-675-1#c2",
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      "checksum": "5e19edf89c41",
      "text": "Where a total loss to the primary insured residence results from a disaster as defined in subdivision (b) of Civil Code Section 1689.14 and was not caused by the policyholder's negligence, Section 675.1 requires the insurer to offer renewal for at least the next two annual renewal periods, but no less than 24 months of coverage from the date of the loss."
    },
    {
      "claimId": "ca-ins-code-675-1#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c3",
      "checksum": "26c3617c9a21",
      "text": "Section 675.1 requires insurers, following a total loss to the primary insured residence, to adjust coverage limits, issue additional policies, or attach endorsements reflecting changes in exposure, and bars cancellation during rebuilding except for specified statutory reasons or based solely on the damaged condition of the property."
    },
    {
      "claimId": "ca-ins-code-675-1#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c4",
      "checksum": "a55ce35f48ae",
      "text": "The Section 675.1 protections do not apply where the named insured commits willful or grossly negligent acts or omissions materially increasing any of the risks insured against, where unrelated losses render the risk ineligible, or where physical or risk changes make the property uninsurable."
    },
    {
      "claimId": "ca-ins-code-675-1#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c5",
      "checksum": "604559e856bc",
      "text": "The page carries the note 'Amended by Stats. 2018, Ch. 618, Sec. 1.5. (SB 894) Effective January 1, 2019.'"
    },
    {
      "claimId": "ca-ins-code-675-1#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c6",
      "checksum": "b58fdf4269ba",
      "text": "Section 675.1(b)(2) provides that the fire perimeter is determined by the Department of Forestry and Fire Protection in consultation with the Office of Emergency Services, that the department provides the commissioner with perimeter data, and that the commissioner then issues a bulletin to inform insurers which ZIP Codes are subject to the subdivision."
    },
    {
      "claimId": "ca-ins-code-675-1#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-675-1#c7",
      "checksum": "225d8d6bdfc7",
      "text": "Section 675.1(d) provides that for purposes of the section, policy of residential property insurance has the meaning described in subdivision (a) of Section 10087."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "My home was not damaged, but my insurer is not renewing after a nearby wildfire. Is that allowed?",
      "url": "https://bestinsuranceresearch.com/questions/nonrenewal-after-wildfire-moratorium-california"
    },
    {
      "kind": "Question",
      "title": "My house was destroyed. How long does my insurer have to keep renewing while I rebuild?",
      "url": "https://bestinsuranceresearch.com/questions/total-loss-how-long-must-insurer-renew-california"
    },
    {
      "kind": "Coverage",
      "title": "Wildfire coverage and availability (California)",
      "url": "https://bestinsuranceresearch.com/insurance/wildfire-california"
    },
    {
      "kind": "Example",
      "title": "A composite homeowner with no fire damage receives a nonrenewal notice after a declared wildfire emergency and reads the statute that governs the moratorium",
      "url": "https://bestinsuranceresearch.com/examples/wildfire-nonrenewal-moratorium"
    },
    {
      "kind": "Worksheet",
      "title": "Renewal Readiness Checklist",
      "url": "https://bestinsuranceresearch.com/tools/renewal-readiness"
    }
  ],
  "reliedOnByCount": 5,
  "citation": {
    "text": "California Legislative Information, Office of Legislative Counsel. \"California Insurance Code Section 675.1 (post-disaster cancellation and nonrenewal limits for residential property insurance).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=675.1 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-675-1, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-675-1",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}