Existing law prohibits issuing a residential property insurance policy unless the named insured is provided with a copy of the California Residential Property Insurance Disclosure, which sets forth a description of types of coverage, including actual cash value coverage, guaranteed replacement cost coverage, and other types of coverage, as specified. Existing law also provides for a California Residential Property Insurance Bill of Rights that describes certain information that a customer is entitled to receive from the insurer, including a copy of the insurance policy, an explanation of how the policy limits were established, and specified information in the event that a claim is filed. Existing law requires every California Residential Property Insurance Disclosure to be accompanied by a copy of the California Residential Property Insurance Bill of Rights. Existing law excepts from these requirements, a tenant’s policy, a policy covering individually owned mobilehomes and their contents, a renter’s policy, or a policy insuring individually owned condominium units, when those policies do not provide dwelling structure coverage.

This bill would require an insurer, on and after July 1, 2020, prior to issuing or renewing those policies described above for a tenant, renter, or condominium unit, to provide a copy of the California Residential Property Insurance Bill of Rights to the named insured. The bill would expressly require an insurer of a policy insuring an individually owned mobilehome that provides dwelling structure coverage to provide the named insured with a copy of the California Residential Property Insurance Disclosure and the California Residential Property Insurance Bill of Rights. The bill would make technical changes to the Bill of Rights.