The New One-Year Non-Renewal Moratorium, Explained

Following a declared stage of emergency, the law mandates a one-year moratorium on insurance companies canceling or not renewing residentialinsurance policies.

What does this mean?

If your property is located in one of the ZIP codes listed below, your insurance provider may not cancel or refuse to renew your policy for one yearafter the declaration of a state of emergency based solely upon where the property is located.

Which ZIP codes are covered?

Policyholders in the following ZIP codes are covered for wildfires from 2022:

Click the Link to search forYour ZIP Code

What if another state of emergency is declared due to wildfire?

The California Department of Insurance (DOI) may issue a supplemental bulletin adding additional ZIP codes.

My coverage was denied even though the moratorium applies to me. What do I do?

For those in eligible ZIP codes, if your policy was canceled due to wildfire risk and you received notice, you should contact your insurance company about getting your policy reinstated. If you need additional help, contact:

California Department of Insurance at 1-800-927-4357 or insurance.ca.gov.

The moratorium does not apply to me. Does that mean my insurer can drop me?

Yes, but they must give you notice in writing at least 75 days before your policy’s expiration date. If your insurance carrier declines to renew your policy without giving proper notice, contact the California Department of Insurance at 1-800-927-4357 or insurance.ca.gov. For steps on finding a new insurance policy.