California 20252026 Regular Session Status: Introduced 7 D cosponsors

AB 1986 — Residential property insurance: home hardening.

Last action — Referred to Com. on INS.

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Assembly
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Assembly. Introduced February 13, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Not enough signal yet

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Summary

Existing law authorizes the Office of the State Fire Marshal to allow certification of contractors who conduct defensible space, home hardening, fuel reduction, roadside clearance, and other contracting activities for wildfire resiliency efforts and who have completed specified training programs. Existing law generally regulates classes of insurance, including residential property and fire insurance. Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department's powers and duties. Existing department regulations prohibit an insurer from using a rating plan that does not take into account and reflect specified wildfire risk mitigation, including property-level building hardening measures. Upon request for a premium quote for residential property insurance, this bill would require a specified insurer to provide a premium quote for the residential property that includes the price of insurance if the property is certified as "hardened" by a home hardening certification program established or approved by the State Fire Marshal and a premium quote for the residential property in its current state.

Bill Text

What changed in the latest version

1 added · 1 removed

Plain-language change summary

The latest version of Bill AB 1986 includes some new text while removing a previous section. This change likely updates or clarifies specific details in the bill, making it more relevant to its goals. Such adjustments can help ensure that the legislation better addresses the needs of the community or the issue it tackles, potentially leading to more effective implementation if passed.

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Action History

  1. Referred to Com. on INS.

  2. From printer. May be heard in committee March 16.

  3. Read first time. To print.

Sponsors

Sponsorship breakdown

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1 sponsors · 8 co-sponsors · 113 not signed on

Sponsors (1)

Co-sponsors (8)

Not signed on (113)

113 members have not signed on to this bill.

Show all 113 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

public-safety housing
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does AB 1986 do?
Existing law authorizes the Office of the State Fire Marshal to allow certification of contractors who conduct defensible space, home hardening, fuel reduction, roadside clearance, and other contracting activities for wildfire resiliency efforts and who have completed specified training programs. Existing law generally regulates classes of insurance, including residential property and fire insurance. Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department's powers and duties. Existing department regulations prohibit an insurer from using a rating plan that does not take into account and reflect specified wildfire risk mitigation, including property-level building hardening measures. Upon request for a premium quote for residential property insurance, this bill would require a specified insurer to provide a premium quote for the residential property that includes the price of insurance if the property is certified as "hardened" by a home hardening certification program established or approved by the State Fire Marshal and a premium quote for the residential property in its current state.
Who sponsors AB 1986?
AB 1986 is sponsored by Ahrens, Patrick (Democratic), Bennett, Steve (Democratic), Stern, Travis Allen, Harabedian, John (Democratic), Bauer-Kahan, Rebecca (Democratic), Connolly, Damon (Democratic), Hart, Gregg (Democratic), and Alvarez, David (Democratic).
What is the current status of AB 1986?
This bill has been introduced in the Assembly. Introduced February 13, 2026. It must pass committee before a floor vote.
Where can I track AB 1986?
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