Alaska 31st Legislature (2019-2020) Status: To Executive Bipartisan · 4 D · 3 R cosponsors

SB 106 — An Act relating to renewal of insurance coverage for homeowners and renters; and providing for an effective date.

Last action — (S) EFFECTIVE DATE(S) OF LAW SEE CHAPTER

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

This bill died with 31st Legislature (2019-2020). It reached “To Executive” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.

This bill is no longer active — its legislative session has ended, so there are no live odds of enactment. It would have to be reintroduced in the current session to move again.

Bill Text

What changed in the latest version

5 added · 5 removed

Plain-language change summary

The recent updates to SB 106 include new rules that make it more difficult for insurance companies to nonrenew homeowners' and renters' insurance policies. Specifically, insurers must now give written notice at least 20 days in advance of nonrenewal and cannot use the first claim made by a policyholder in the past three years as a reason to decline renewal. This change is important because it protects homeowners and renters from losing their insurance coverage unfairly, particularly after a minor claim.

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Alaska State Legislature The Alaska State Legislature menu Home Senate Current Members Past Members By Session Alphabetical House Current Members Past Members By Session Alphabetical Bills & Laws Bills All Introduced Actions by Date Awaiting Actions Bills sent to Conf Committee Bills in Committee Governor's Vetoes Passed Legislation Prefile Bill Summary Requestor Summary Statistics Sponsor Summary Subject Summary Laws Constitution Constitutional Convention Files Statutes Executive Orders - Current Executive Orders - Historical Administrative Code Journals Session Laws & Resolves Session Laws & Resolves 2019 Session Laws & Resolves 2020 - Previous Year Session Law - Previous Year Legislative Resolves Tools Statute Information Retrieval System Bill Tracking Management Facility Past Legislatures (Archives) Committees Hearing Schedule Standing Committees Finance Committees Special Committees Joint Committees Conference Committees Other Committees Minutes Publications Get Started Information Offices Legislative Affairs Legislative Agencies Links Legislative Branch Executive Branch Judicial Branch Alaska Delegation Home Bill & Laws Bills SB 106 Detail FullText txt SB 106:
and providing for an effective date." CS FOR SENATE BILL NO.
and providing for an effective date." SENATE BILL NO.
106(L&C) 01 "An Act relating to renewal of insurance coverage for homeowners and renters;
106 01 "An Act relating to renewal of insurance coverage for homeowners and renters;
11 (b) In addition to the requirements in (a) of this section, an insurer may not fail 12 to renew a homeowner's insurance policy based solely on the earliest claim made by 13 the insured within the three-year period immediately preceding the policy's annual 14 anniversary if the claim arises from a criminal act committed by a third party.
11 (b) In addition to the requirements in (a) of this section, an insurer may not fail 12 to renew a homeowner's insurance or renter's insurance policy unless a written notice 13 of nonrenewal is mailed to the division at least 20 days before the date the policy 14 expires or the anniversary date of a policy written for a term longer than one year or 15 with no fixed expiration date.
In this 15 subsection, "homeowner's insurance" includes coverage described in 16 AS 21.36.460(i)(7)(B) and (C).
In determining whether to renew a homeowner's 16 insurance or renter's insurance policy, an insurer may not use the first claim of the 17 insured made within the three-year period immediately preceding the policy's annual 18 anniversary.
17 (c) If notice of nonrenewal is not given as required by this section, the existing 18 policy shall continue until the insurer provides notice for the period required by this 19 section for the policy.
In this subsection, "homeowner's insurance" includes coverage for mobile 19 homeowners, manufactured homeowners, and condominium owners.
20 (d) This section does not apply 21 (1) if the insurer has in good faith manifested its willingness to renew;
20 (c) If notice of nonrenewal is not given as required by this section, the existing 21 policy shall continue until the insurer provides notice for the period required by this 22 section for the policy.
22 (2) in case of nonpayment of premium for the expiring policy;
23 (d) This section does not apply 24 (1) if the insurer has in good faith manifested its willingness to renew;
23 (3) if the insured fails to pay the premium as required by the insurer for 24 renewal;
25 (2) in case of nonpayment of premium for the expiring policy;
or 25 (4) to business or commercial policies placed under AS 21.34.
26 (3) if the insured fails to pay the premium as required by the insurer for 27 renewal;
26 * Sec.
or 28 (4) to business or commercial policies placed under AS 21.34.
29 * Sec.
AS 21.36.310(4) is amended to read:
The uncodified law of the State of Alaska is amended by adding a new section to 30 read:
27 (4) "personal insurance" has the meaning given in AS 21.36.460(i) 28 [(A) MEANS PERSONAL AUTOMOBILE INSURANCE, 29 OR INSURANCE COVERING 30 (i) LOSS OF OR DAMAGE TO REAL PROPERTY 31 THAT IS USED PREDOMINANTLY FOR RESIDENTIAL PURPOSES AND THAT DOES NOT CONSIST OF MORE THAN 02 FOUR DWELLING UNITS;
31 APPLICABILITY.
03 (ii) LOSS OF OR DAMAGE TO PERSONAL 04 PROPERTY, INCLUDING PERSONAL EFFECTS, HOUSEHOLD 05 FURNITURE, FIXTURES, AND EQUIPMENT LOCATED IN NOT 06 MORE THAN FOUR DWELLING UNITS;
AS 21.36.240, as amended by this Act, applies to an insurance policy or contract entered into or renewed on or after the effective date of secs.
OR 07 (iii) LEGAL LIABILITY OF NATURAL PERSONS 08 FOR LOSS OF, DAMAGE TO, OR INJURY TO PERSONS OR 09 PROPERTY IF THE INSURANCE DOES NOT COVER LIABILITY 10 ARISING FROM OR IN CONNECTION WITH BUSINESS OR 11 COMMERCIAL ACTIVITIES;
1 - 3 of this 02 Act.
12 (B) DOES NOT INCLUDE AN ANNUITY CONTRACT OR 13 A POLICY OF LIFE INSURANCE, HEALTH INSURANCE, OR TITLE 14 INSURANCE];
03 * Sec.
15 * Sec.
The uncodified law of the State of Alaska is amended by adding a new section to 16 read:
The uncodified law of the State of Alaska is amended by adding a new section to 04 read:
17 APPLICABILITY.
05 TRANSITION:
AS 21.36.240, as amended by secs.
1 and 2 of this Act, and 18 AS 21.36.310(4), as amended by sec.
3 of this Act, apply to an insurance policy or contract 19 entered into or renewed on or after the effective date of secs.
1 - 3 of this Act.
20 * Sec.
5.
The uncodified law of the State of Alaska is amended by adding a new section to 21 read:
22 TRANSITION:
The director of the division of insurance may adopt 23 regulations necessary to implement the changes made by this Act.
The director of the division of insurance may adopt 06 regulations necessary to implement the changes made by this Act.
The regulations take effect 24 under AS 44.62 (Administrative Procedure Act), but not before the effective date of the law 25 implemented by the regulations.
The regulations take effect 07 under AS 44.62 (Administrative Procedure Act), but not before the effective date of the law 08 implemented by the regulation.
26 * Sec.
09 * Sec.
5.
Section 4 of this Act takes effect immediately under AS 01.10.070(c).
10 * Sec.
Section 5 of this Act takes effect immediately under AS 01.10.070(c).
27 * Sec.
7.
6 of this Act, this Act takes effect July 1, 2020.
5 of this Act, this Act takes effect July 1, 2020.
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Action History

  1. (S) EFFECTIVE DATE(S) OF LAW SEE CHAPTER

  2. (S) LAW W/O GOV SIGNATURE 4/30 CH 27 SLA 20

  3. (S) 10:15 A.M. 4/13/20 Transmitted to Governor

  4. (H) VERSION: CSSB 106(L&C)

  5. (H) RETURN TO (S), TRANSMIT TO GOV NEXT

  6. (H) RECONSIDERATION NOT TAKEN UP

  7. (H) CROSS SPONSOR(S): TARR, JOSEPHSON

  8. (H) PRUITT NOTICE OF RECONSIDERATION

  9. (H) EFFECTIVE DATE(S) SAME AS PASSAGE

  10. (H) PASSED Y35 N2 E3

  11. (H) Read the third time CSSB 106(L&C)

  12. (H) ADVANCED TO THIRD READING 3/25 CALENDAR

  13. (H) Read the second time

  14. (H) RULES TO CALENDAR 3/24/2020

  15. (H) FN2: ZERO(CED)

  16. (H) DP: GILLIS, HANNAN, STORY, FIELDS, RASMUSSEN, STUTES, SPOHNHOLZ

  17. (H) L&C RPT 7DP

  18. (H) Minutes (HL&C)

  19. (H) Moved CSSB 106(L&C) Out of Committee

  20. (H) LABOR & COMMERCE at 03:15 PM BARNES 124

  21. (H) CROSS SPONSOR(S): FIELDS

  22. (H) Minutes (HL&C)

  23. (H) Heard & Held

  24. (H) LABOR & COMMERCE at 03:15 PM BARNES 124

  25. (H) L&C

  26. (H) Read the first time - REFERRALS

  27. (S) VERSION: CSSB 106(L&C)

  28. (S) TRANSMITTED TO (H)

  29. (S) EFFECTIVE DATE(S) SAME AS PASSAGE

  30. (S) PASSED Y20 N-

  31. (S) COSPONSOR(S): HUGHES, REINBOLD, KIEHL

  32. (S) Read the third time CSSB 106(L&C)

  33. (S) ADVANCED TO THIRD READING UC

  34. (S) L&C CS ADOPTED UC

  35. (S) Read the second time

  36. (S) RULES TO CALENDAR 5/14/2019

  37. (S) FN1: ZERO(CED)

  38. (S) DP: REINBOLD, BIRCH, COSTELLO, GRAY-JACKSON

  39. (S) L&C RPT CS 4DP SAME TITLE

  40. (S) Minutes (SL&C)

  41. (S) Moved CSSB 106(L&C) Out of Committee

  42. (S) LABOR & COMMERCE at 01:30 PM BELTZ 105 (TSBldg)

  43. (S) Minutes (SL&C)

  44. (S) Heard & Held

  45. (S) LABOR & COMMERCE at 01:30 PM BELTZ 105 (TSBldg)

  46. (S) Minutes (SL&C)

  47. (S) Heard & Held

  48. (S) LABOR & COMMERCE at 01:30 PM BELTZ 105 (TSBldg)

  49. (S) SHOWER, OLSON

  50. (S) COSPONSOR(S): COSTELLO, BISHOP, MICCICHE, WIELECHOWSKI, GRAY-JACKSON, WILSON,

  51. (S) L&C

  52. (S) Read the first time - REFERRALS

Sponsors

Sponsorship breakdown

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1 sponsors · 11 co-sponsors · 53 not signed on

Sponsors (1)

  • BEGICH

Co-sponsors (11)

Not signed on (53)

53 members have not signed on to this bill.

Show all 53 →

"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

Votes

Subjects

housing health-insurance
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Frequently asked questions

Who sponsors SB 106?
SB 106 is sponsored by BEGICH, Mia Costello (R), Bishop, Micciche, Bill Wielechowski (D), Elvi Gray-Jackson (D), Wilson, Reinbold, Jesse Kiehl (D), Donald Olson (D), Shelley Hughes (R), and Mike Shower (R).
What is the current status of SB 106?
This bill died with 31st Legislature (2019-2020). It reached “To Executive” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.
Where can I track SB 106?
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