| 1 | 1 | | CALIFORNIA LEGISLATURE 20212022 REGULAR SESSION Assembly Bill No. 2202Introduced by Assembly Member CalderonFebruary 15, 2022 An act to amend Section 676.1 of the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTAB 2202, as introduced, Calderon. Insurance: homeowners insurance.Under existing law, with certain exceptions, the arbitrary cancellation of, or refusal to renew, as specified, a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family daycare home at the insured location, subjects the insurer to administrative sanctions authorized by the Insurance Code.This bill would make technical, nonsubstantive changes to this provision.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: NO Local Program: NO Bill TextThe people of the State of California do enact as follows:SECTION 1. Section 676.1 of the Insurance Code is amended to read:676.1. (a) The arbitrary cancellation of a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies.(b) The arbitrary refusal to renew a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. For purposes of this subdivision, an insureds purchase of a policy of homeowners insurance to cover a new, primary residence from the same insurer which that insured his or her their previous primary residence, provided that the insurer then underwrites homeowners insurance in the geographic area containing the new residence, shall be deemed a renewal of the policy on the previous, primary residence.(c) It shall be against public policy for a residential property insurance policy to provide coverage for liability for losses arising out of, or in connection with, the operation of a family day care daycare home. This coverage shall only be provided by a separate endorsement or insurance policy for which premiums have been assessed and collected. |
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| 3 | 3 | | CALIFORNIA LEGISLATURE 20212022 REGULAR SESSION Assembly Bill No. 2202Introduced by Assembly Member CalderonFebruary 15, 2022 An act to amend Section 676.1 of the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTAB 2202, as introduced, Calderon. Insurance: homeowners insurance.Under existing law, with certain exceptions, the arbitrary cancellation of, or refusal to renew, as specified, a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family daycare home at the insured location, subjects the insurer to administrative sanctions authorized by the Insurance Code.This bill would make technical, nonsubstantive changes to this provision.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: NO Local Program: NO |
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| 9 | 9 | | CALIFORNIA LEGISLATURE 20212022 REGULAR SESSION |
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| 11 | 11 | | Assembly Bill |
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| 13 | 13 | | No. 2202 |
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| 15 | 15 | | Introduced by Assembly Member CalderonFebruary 15, 2022 |
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| 17 | 17 | | Introduced by Assembly Member Calderon |
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| 18 | 18 | | February 15, 2022 |
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| 20 | 20 | | An act to amend Section 676.1 of the Insurance Code, relating to insurance. |
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| 21 | 21 | | |
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| 22 | 22 | | LEGISLATIVE COUNSEL'S DIGEST |
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| 24 | 24 | | ## LEGISLATIVE COUNSEL'S DIGEST |
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| 25 | 25 | | |
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| 26 | 26 | | AB 2202, as introduced, Calderon. Insurance: homeowners insurance. |
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| 27 | 27 | | |
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| 28 | 28 | | Under existing law, with certain exceptions, the arbitrary cancellation of, or refusal to renew, as specified, a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family daycare home at the insured location, subjects the insurer to administrative sanctions authorized by the Insurance Code.This bill would make technical, nonsubstantive changes to this provision. |
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| 29 | 29 | | |
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| 30 | 30 | | Under existing law, with certain exceptions, the arbitrary cancellation of, or refusal to renew, as specified, a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family daycare home at the insured location, subjects the insurer to administrative sanctions authorized by the Insurance Code. |
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| 31 | 31 | | |
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| 32 | 32 | | This bill would make technical, nonsubstantive changes to this provision. |
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| 33 | 33 | | |
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| 34 | 34 | | ## Digest Key |
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| 36 | 36 | | ## Bill Text |
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| 38 | 38 | | The people of the State of California do enact as follows:SECTION 1. Section 676.1 of the Insurance Code is amended to read:676.1. (a) The arbitrary cancellation of a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies.(b) The arbitrary refusal to renew a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. For purposes of this subdivision, an insureds purchase of a policy of homeowners insurance to cover a new, primary residence from the same insurer which that insured his or her their previous primary residence, provided that the insurer then underwrites homeowners insurance in the geographic area containing the new residence, shall be deemed a renewal of the policy on the previous, primary residence.(c) It shall be against public policy for a residential property insurance policy to provide coverage for liability for losses arising out of, or in connection with, the operation of a family day care daycare home. This coverage shall only be provided by a separate endorsement or insurance policy for which premiums have been assessed and collected. |
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| 40 | 40 | | The people of the State of California do enact as follows: |
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| 42 | 42 | | ## The people of the State of California do enact as follows: |
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| 44 | 44 | | SECTION 1. Section 676.1 of the Insurance Code is amended to read:676.1. (a) The arbitrary cancellation of a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies.(b) The arbitrary refusal to renew a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. For purposes of this subdivision, an insureds purchase of a policy of homeowners insurance to cover a new, primary residence from the same insurer which that insured his or her their previous primary residence, provided that the insurer then underwrites homeowners insurance in the geographic area containing the new residence, shall be deemed a renewal of the policy on the previous, primary residence.(c) It shall be against public policy for a residential property insurance policy to provide coverage for liability for losses arising out of, or in connection with, the operation of a family day care daycare home. This coverage shall only be provided by a separate endorsement or insurance policy for which premiums have been assessed and collected. |
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| 46 | 46 | | SECTION 1. Section 676.1 of the Insurance Code is amended to read: |
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| 48 | 48 | | ### SECTION 1. |
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| 49 | 49 | | |
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| 50 | 50 | | 676.1. (a) The arbitrary cancellation of a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies.(b) The arbitrary refusal to renew a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. For purposes of this subdivision, an insureds purchase of a policy of homeowners insurance to cover a new, primary residence from the same insurer which that insured his or her their previous primary residence, provided that the insurer then underwrites homeowners insurance in the geographic area containing the new residence, shall be deemed a renewal of the policy on the previous, primary residence.(c) It shall be against public policy for a residential property insurance policy to provide coverage for liability for losses arising out of, or in connection with, the operation of a family day care daycare home. This coverage shall only be provided by a separate endorsement or insurance policy for which premiums have been assessed and collected. |
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| 52 | 52 | | 676.1. (a) The arbitrary cancellation of a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies.(b) The arbitrary refusal to renew a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. For purposes of this subdivision, an insureds purchase of a policy of homeowners insurance to cover a new, primary residence from the same insurer which that insured his or her their previous primary residence, provided that the insurer then underwrites homeowners insurance in the geographic area containing the new residence, shall be deemed a renewal of the policy on the previous, primary residence.(c) It shall be against public policy for a residential property insurance policy to provide coverage for liability for losses arising out of, or in connection with, the operation of a family day care daycare home. This coverage shall only be provided by a separate endorsement or insurance policy for which premiums have been assessed and collected. |
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| 54 | 54 | | 676.1. (a) The arbitrary cancellation of a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies.(b) The arbitrary refusal to renew a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. For purposes of this subdivision, an insureds purchase of a policy of homeowners insurance to cover a new, primary residence from the same insurer which that insured his or her their previous primary residence, provided that the insurer then underwrites homeowners insurance in the geographic area containing the new residence, shall be deemed a renewal of the policy on the previous, primary residence.(c) It shall be against public policy for a residential property insurance policy to provide coverage for liability for losses arising out of, or in connection with, the operation of a family day care daycare home. This coverage shall only be provided by a separate endorsement or insurance policy for which premiums have been assessed and collected. |
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| 58 | 58 | | 676.1. (a) The arbitrary cancellation of a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. |
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| 60 | 60 | | (b) The arbitrary refusal to renew a policy of homeowners insurance solely on the basis that the policyholder has a license to operate a family day care daycare home at the insured location shall subject the insurer to administrative sanctions authorized by this code unless, there has been a material misrepresentation of fact, the risk has changed substantially since the policy was issued, there has been a nonpayment of premium, or the insurer no longer writes homeowners policies. For purposes of this subdivision, an insureds purchase of a policy of homeowners insurance to cover a new, primary residence from the same insurer which that insured his or her their previous primary residence, provided that the insurer then underwrites homeowners insurance in the geographic area containing the new residence, shall be deemed a renewal of the policy on the previous, primary residence. |
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| 62 | 62 | | (c) It shall be against public policy for a residential property insurance policy to provide coverage for liability for losses arising out of, or in connection with, the operation of a family day care daycare home. This coverage shall only be provided by a separate endorsement or insurance policy for which premiums have been assessed and collected. |
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