The Make It Fair Act Proposes to Expand Insurance Coverages and Increase Transparency but Raises Questions about the Practical Expansions and Cost of those Expansions

By Lisbeth Abigail Rosales On February 2, 2026, California’s Department of Insurance (DOI) Commissioner, Ricardo Lara, and Assemblymember Calderon announced legislative bill AB 1689 (Calderon), aimed at transforming the California FAIR Plan. On December 22, 2025, DOI released a Report Continue reading

The Department of Insurance Continues Rulemaking to Address Intervenor Compensation Under Prop 103

By Charlotte Fuchs On February 13, 2026, the Department of Insurance (DOI) released the amended text of proposed regulations modernizing California’s intervenor and Administrative Hearing Bureau processes under Proposition 103. Proposition 103, passed by voters in 1988, dictates that the Continue reading

Department of Insurance Allows Insurers to Base Rates on Wildfire Models as a Part of the California Sustainable Insurance Strategy (SIS)

By Victoria Torres On July 25, 2025, the Department of Insurance (DOI) announced its final evaluation for DOI’s first wildfire model. In July and August 2025, the Department’s Model Advisor, Kara Voss, analyzed three different wildfire models under the newly Continue reading

Insurance Commissioner Ricardo Lara Provisionally Approves State Farm’s Emergency Interim Rate Increase Request 

By Lisette Cruz On March 14, 2024, the California Department of Insurance (CDI or the Department) published a news release announcing CDI Commissioner Ricardo Lara’s provisional acceptance of State Farm’s request for an emergency interim rate increase. This decision follows Continue reading

California Department of Insurance Announces Community-Based Flood Insurance Initiative for City of Isleton

By Lisette Cruz On October 16, 2024, the California Department of Insurance (CDI or the Department) published a news release announcing a community-based flood insurance initiative for the City of Isleton. This initiative, the first of its kind in California, Continue reading

Little Hoover Committee Investigates California’s Homeowners Insurance Crisis

By Alex Cesta On June 6, 2024, the Little Hoover Commission held a roundtable discussion to continue its investigation into the growing crisis of homeowners insurance availability in California. Experts from state agencies, insurance industry representatives, and consumer advocacy groups Continue reading

California Department of Insurance Invites Public Comment for Largest Insurance Reform in 30 Years

By Alexander Cesta On June 12, 2024, the California Department of Insurance (DOI) released an updated draft regulation to adopt section 2644.4.8 to Title 10 of the CCR — its latest action pursuant to Governor Newsom’s executive order directing DOI Continue reading

Joint Sting Operation in Monterey County Uncovers Alleged Unlicensed Contractors

By Erol Kilic On December 6, 2023, the Contractors State Licensing Board (CSLB) announced a joint operation with the Monterey County District Attorney’s Office and the California Department of Insurance (CDI) that successfully identified nine unlicensed contractors in a Monterey Continue reading

Commissioner Lara Announces “Sustainable Insurance Strategy” Drawing Strong Opposition from Consumer Advocacy Groups

By Alexandra Harten On September 21, 2023, Governor Newsom signed Executive Order N-13-23 directing the Insurance Commissioner “to take prompt regulatory action to strengthen and stabilize California’s marketplace for homeowners insurance and commercial property insurance, and to consider whether the Continue reading

DOI Supports AB 970: Establishing a Climate and Sustainability Insurance and Risk Reduction Program

By Shiloh Wallack AB 970 (Rivas), introduced on February 14, 2023, by Assemblymember Luz Rivas, and supported by the Department of Insurance (DOI), would add and repeal Article 2.5 (commencing with section 12945) of Chapter 2 of Division 3 of Continue reading