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Measure SB 525
Authors Jones  
Subject California FAIR Plan: manufactured homes.
Relating To relating to insurance.
Title An act to amend Section 10091 of the Insurance Code, relating to insurance.
Last Action Dt 2025-10-09
State Chaptered
Status Chaptered
Active? Y
Vote Required Majority
Appropriation No
Fiscal Committee No
Local Program No
Substantive Changes None
Urgency No
Tax Levy No
Leginfo Link Bill
Actions
2025-10-09     Chaptered by Secretary of State. Chapter 476, Statutes of 2025.
2025-10-09     Approved by the Governor.
2025-09-16     Enrolled and presented to the Governor at 3 p.m.
2025-09-08     Read third time. Passed. (Ayes 79. Noes 0. Page 2995.) Ordered to the Senate.
2025-09-08     In Senate. Ordered to engrossing and enrolling.
2025-09-02     Read second time. Ordered to third reading.
2025-08-29     From committee: Do pass. (Ayes 15. Noes 0.) (August 29).
2025-08-20     August 20 set for first hearing. Placed on APPR. suspense file.
2025-07-09     From committee: Do pass and re-refer to Com. on APPR. (Ayes 15. Noes 0.) (July 9). Re-referred to Com. on APPR.
2025-06-09     Referred to Com. on INS.
2025-06-03     In Assembly. Read first time. Held at Desk.
2025-06-02     Read third time. Passed. (Ayes 37. Noes 0. Page 1403.) Ordered to the Assembly.
2025-04-28     Read second time. Ordered to third reading.
2025-04-24     From committee: Do pass. (Ayes 4. Noes 0. Page 869.) (April 23).
2025-04-08     From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS.
2025-04-04     Set for hearing April 23.
2025-03-28     April 9 set for first hearing canceled at the request of author.
2025-03-26     Set for hearing April 9.
2025-03-24     From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS.
2025-03-05     Referred to Com. on INS.
2025-02-21     From printer. May be acted upon on or after March 23.
2025-02-20     Introduced. Read first time. To Com. on RLS. for assignment. To print.
Keywords
Tags
Versions
Chaptered     2025-10-09
Enrolled     2025-09-10
Amended Senate     2025-04-08
Amended Senate     2025-03-24
Introduced     2025-02-20
Last Version Text 
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		<ns0:AuthorText authorType="LEAD_AUTHOR">Introduced by Senator Jones</ns0:AuthorText>
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		<ns0:Title>An act to amend Section 10091 of the Insurance Code, relating to insurance.</ns0:Title>
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			<ns0:Subject>California FAIR Plan: manufactured homes.</ns0:Subject>
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			<html:p>Existing law creates the California FAIR Plan Association, a joint reinsurance association formed by insurers licensed to write and engaged in writing basic property insurance within this state, to assist persons in securing basic property insurance, and to formulate and administer a program for the equitable apportionment among insurers of basic property insurance. Existing law defines “basic property insurance” for these purposes.</html:p>
			<html:p>This bill would define “basic property insurance” offered through the FAIR Plan to include insurance for manufactured homes and mobilehomes under the same terms and conditions as basic property insurance
			 sold for other residential dwellings.</html:p>
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		<ns0:Preamble>The people of the State of California do enact as follows:</ns0:Preamble>
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			<ns0:Num>SECTION 1.</ns0:Num>
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				Section 10091 of the 
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				 is amended to read:
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							<html:p>Unless the provision or context otherwise requires, the following definitions govern the construction of this chapter:</html:p>
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								(a)
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								“Association,” “industry placement facility,” or “facility,” means a joint reinsurance association, the California FAIR Plan Association, formed by insurers licensed to write and engaged in writing basic property insurance within this state to assist persons in securing basic property insurance and to formulate and administer a program for the equitable apportionment among insurers of basic property insurance.
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								(b)
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								“Commissioner” means the Insurance Commissioner of this state.
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								(c)
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								(1)
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								“Basic property insurance” means insurance against direct loss to real or tangible personal property at a fixed location in those geographic or urban areas, as designated by the commissioner, from perils insured under the standard fire policy and extended coverage endorsement, from vandalism and malicious mischief, and includes other insurance coverages as may be added with respect to that property by the industry placement facility with the approval of the commissioner or by the commissioner. “Basic property insurance” includes insurance for manufactured homes and mobilehomes under the same terms and conditions as basic property insurance sold for
						other residential dwellings. “Basic property insurance” does not include insurance on automobile risks, commercial agricultural commodities or livestock, or equipment used to cultivate or transport agricultural commodities or livestock.
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								(2)
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								For the purposes of earthquake coverage that is provided as a component of basic property insurance, the association shall sell only the policy described in Section 10089. In force policies of basic property insurance that include earthquake coverage shall be renewed with the coverage specified in Section 10089, and the association shall comply with the notice requirements of paragraph (2) of subdivision (a) of Section 10086.
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								(d)
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								“Inspection bureau” means the organization or organizations designated by the
						association with the approval of the commissioner to make inspections to determine the condition of the properties for which basic property insurance is sought and to perform other duties as may be authorized by the association.
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								(e)
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								“Premiums written” means gross direct premiums charged with respect to property in this state on all policies of basic property insurance and the basic property insurance premium components of all multiperil policies, less return premiums, dividends paid or credited to policyholders, or the unused or unabsorbed portions of premium deposits.
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								(f)
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								“Insurer” means a person who undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event, and shall include reciprocals and interinsurance exchanges.
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								(g)
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								“Manufactured home” shall have the same meaning as defined in Section 18007 of the Health and Safety Code.
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								(h)
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								“Mobilehome” shall have the same meaning as defined in Section 18008 of the Health and Safety Code.
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Last Version Text Digest Existing law creates the California FAIR Plan Association, a joint reinsurance association formed by insurers licensed to write and engaged in writing basic property insurance within this state, to assist persons in securing basic property insurance, and to formulate and administer a program for the equitable apportionment among insurers of basic property insurance. Existing law defines “basic property insurance” for these purposes. This bill would define “basic property insurance” offered through the FAIR Plan to include insurance for manufactured homes and mobilehomes under the same terms and conditions as basic property insurance sold for other residential dwellings.