Amended IN Senate March 26, 2025 CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Senate Bill No. 429Introduced by Senator CorteseFebruary 18, 2025 An act to amend Section 679.74 of An act to add Article 12 (commencing with Section 970) to Chapter 1 of Part 2 of Division 1 of the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTSB 429, as amended, Cortese. Property insurance: discrimination. Wildfire Safety and Risk Mitigation Program.Existing law creates the Department of Insurance and prescribes the departments powers and duties. Existing law generally regulates the business of insurance in the state, including the underwriting and ongoing monitoring of insured risks. Existing law generally requires an insurer or insurance producer to have underwriting guidelines that establish the criteria and process under which an insurer makes its decision to provide or to deny coverage.Existing law requires an admitted insurer with written California premiums totaling $10,000,000 or more, to submit a report, as specified, to the commissioner with specified fire risk information on its residential property policies. Existing law requires the commissioner to post on the departments internet website a report on wildfire risk compiled from data collected from specified insurers.This bill, upon appropriation for these purposes, would establish the Wildfire Safety and Risk Mitigation Program to fund the development, demonstration, and deployment of a public wildfire catastrophe model, as defined, and to provide grant funding to one or more universities for eligible projects with specified criteria for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts. The bill would create the Wildfire Safety and Risk Mitigation Account within the Insurance Fund for these purposes.The bill, also upon appropriation for these purposes, would require the department to create a framework and multiyear plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model that includes specified information and to publish the plan on the departments internet website. The bill would require the department to provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to these provisions before September 1, 2026.Existing law prohibits an admitted insurer licensed to issue policies of residential property insurance from failing or refusing to accept an application for, or issuing a policy to an applicant for, that insurance, except as specified, or from canceling the insurance, under conditions less favorable to the insured than in other comparable cases, except for reasons applicable alike to persons of every sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation. Existing law provides that sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation shall not, of itself, constitute a condition or risk for which a higher rate, premium, or charge may be required of the insured.Existing law also adds, for specified types of real property, certain other characteristics relating to the insured or the insured property to the categories that an insurer is prohibited from using for the purposes described above, including, under certain circumstances, the level or source of income and the receipt of government or public assistance by an individual or group of individuals residing or intending to reside upon the property, as specified. This bill would make a nonsubstantive, technical change to these provisions.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: NOYES Local Program: NO Bill TextThe people of the State of California do enact as follows:SECTION 1. Article 12 (commencing with Section 970) is added to Chapter 1 of Part 2 of Division 1 of the Insurance Code, to read: Article 12. Wildfire Safety and Risk Mitigation Program970. (a) The Wildfire Safety and Risk Mitigation Program is hereby established.(b) The purpose of the program is to provide funding to one or more universities for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts.(c) Projects eligible for a grant under this article include either of the following:(1) The development of a public wildfire catastrophe model that can provide insight for state and local emergency planners, aid wildfire safety efforts that protect lives and property, increase research and development on wildfire risk mitigation strategies, inform actuarial analyses, create training opportunities for students and professionals, and support effective regulation and financial oversight of insurance rates, risk assessments, and insurance company solvency risks and risk management.(2) The development of outreach initiatives to identify and educate potential users of a public wildfire catastrophe model, including, but not limited to, state and local emergency planners, wildfire safety groups, agricultural and business groups, research organizations, and educators.(d) For the purposes of this article, a public wildfire catastrophe model means a computerized process that uses the best available science to simulate potential property damage caused by major wildfires and has readily accessible documentation and programs for use by public agencies, organizations, and individuals.971. (a) The Wildfire Safety and Risk Mitigation Program shall be administered by the department. (b) The department shall award grants on a competitive basis. The department shall establish minimum standards, funding schedules, and procedures for awarding grants. In determining these standards, the department shall do all of the following:(1) Outline performance criteria and metrics. (2) Ensure that the program is administered in furtherance of applicable insurance laws and regulations, including, but not limited to, Sections 2642.7, 2644.16, 2644.25, 2644.4.5, and 2644.9 of Title 10 of the California Code of Regulations.(3) Consider research and development of modeling techniques and actuarial analyses specific to the effectiveness of actions to mitigate and prevent the risk of loss due to wildfires, including those actions at the property, community, and regional scale by utilities and local, state, and federal governments.(4) Promote publicly accessible information to inform individual property and community-scale mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes.(5) Leverage, to the maximum extent feasible, federal or private funding.(6) Ensure activities undertaken pursuant to this article complement efforts by the federal government and private industries, including insurance, to achieve wildfire safety at the community scale. (7) Consider recommendations to the commissioner by the Public Wildfire Catastrophe Model Strategy Group. 972. In evaluating grant proposals pursuant to this article, the department shall give priority to projects that demonstrate one or more of the following:(a) A benefit to disadvantaged communities determined under Sections 39711 and 39713 of the Health and Safety Code, vulnerable communities as defined in subdivision (d) of Section 71340 of the Public Resources Code, and where insurance access has become a major challenge for the public due to wildfire risk.(b) Assistance to state and local governments in protecting communities from devastating wildfire disasters and promoting equitable recovery.(c) An educational benefit for California students to train a future workforce in the effective use of available data and modeling tools for planning, risk analysis and reduction, and actuarial approaches, with a focus on collaboration between multiple universities and public higher education institutions.(d) The availability for use by governments and others in running scenarios to help reduce the risks of loss of life and property.(e) The availability of publicly accessible information useful for property level risk assessments with sufficient detail to be useful for community and property mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes, including property- and community-level actions.(f) The understanding of environmental factors that affect the risk of loss, including extreme temperatures, drought, and other conditions.(g) The ability to improve consumer information, relief, transparency, and understanding about catastrophe modeling.973. (a) The department shall create a framework and plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model created pursuant to a grant provided by this article.(b) The framework and plan shall articulate a multiyear plan for the development, demonstration, and deployment of a public wildfire catastrophe model.(c) The framework and plan shall be published on the departments internet website upon completion.974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insurance Fund. Funds in the account shall fund the development, demonstration, and deployment of public wildfire catastrophe modeling.975. Upon implementation of the first round of grants issued pursuant to this article, the department shall identify, publish, and make available on its internet website key milestones for the completion of a public wildfire catastrophe model, including additional research, outreach, and operational steps needed to fully establish the model.976. The department shall provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to this article before September 1, 2026.977. This article shall not be construed to limit or conflict with the commissioners authority regarding rate regulation, or any other provisions of this code.978. This article shall be operative upon appropriation by the Legislature for these purposes.SECTION 1.Section 679.74 of the Insurance Code is amended to read:679.74.(a)An admitted insurer that is licensed to issue a policy of insurance upon real property of the type described in paragraph (1) of subdivision (a) of Section 675 or paragraph (1) of subdivision (b) of Section 675.5, when that real property is used for residential purposes, or property of the type described in subdivision (a) of Section 10087, shall not fail or refuse to accept an application for, or to issue a policy to an applicant for, that insurance unless the insurance is to be issued to the applicant by another insurer under the same management and control, or cancel that insurance, based upon the following characteristics:(1)The level or source of income of an individual or group of individuals residing or intending to reside upon the property to be insured, if the individual or group of individuals is not the owner of the real property.(2)The receipt of assistance, intended for housing, from the federal or state government, or from a local public entity, as defined in Section 50079 of the Health and Safety Code, including, but not limited to, federal vouchers issued under Section 8 of the United States Housing Act of 1937 (42 U.S.C. Sec. 1437f), by an individual or group of individuals residing or intending to reside upon the property insured or to be insured.(b)An application for a policy of insurance upon real property of the type described in subdivision (a), or an insurance investigation report furnished by an insurer to its agents or employees for use in determining the insurability of an applicant under such a policy, shall not carry any identification, or any requirement for identification, of the following characteristics:(1)The level or source of income of an individual or group of individuals residing or intending to reside upon the property to be insured, if the individual or group of individuals is not the owner of the real property.(2)The receipt of assistance, intended for housing, from the federal or state government, or from a local public entity, as defined in Section 50079 of the Health and Safety Code, including, but not limited to, federal vouchers issued under Section 8 of the United States Housing Act of 1937 (42 U.S.C. Sec. 1437f), by an individual or group of individuals residing or intending to reside upon the property insured or to be insured.(c)In the case of real property of the type described in paragraph (1) of subdivision (a) of Section 675, paragraph (1) of subdivision (b) of Section 675.5, or subdivision (a) of Section 10087 that is used for both residential and commercial purposes, the insurer, or its agent or employee, may consider the source of income of a nonresidential tenant of the property in determining the insurability of an applicant.(d)Nothing in this section prohibits an insurer from failing or refusing to accept an application for, issuing, canceling, or failing to renew, a policy of insurance covered by this chapter as a result of underwriting or assessment of factors other than those characteristics listed in subdivision (a), or as otherwise prohibited by law.
Amended IN Senate March 26, 2025 CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Senate Bill No. 429Introduced by Senator CorteseFebruary 18, 2025 An act to amend Section 679.74 of An act to add Article 12 (commencing with Section 970) to Chapter 1 of Part 2 of Division 1 of the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTSB 429, as amended, Cortese. Property insurance: discrimination. Wildfire Safety and Risk Mitigation Program.Existing law creates the Department of Insurance and prescribes the departments powers and duties. Existing law generally regulates the business of insurance in the state, including the underwriting and ongoing monitoring of insured risks. Existing law generally requires an insurer or insurance producer to have underwriting guidelines that establish the criteria and process under which an insurer makes its decision to provide or to deny coverage.Existing law requires an admitted insurer with written California premiums totaling $10,000,000 or more, to submit a report, as specified, to the commissioner with specified fire risk information on its residential property policies. Existing law requires the commissioner to post on the departments internet website a report on wildfire risk compiled from data collected from specified insurers.This bill, upon appropriation for these purposes, would establish the Wildfire Safety and Risk Mitigation Program to fund the development, demonstration, and deployment of a public wildfire catastrophe model, as defined, and to provide grant funding to one or more universities for eligible projects with specified criteria for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts. The bill would create the Wildfire Safety and Risk Mitigation Account within the Insurance Fund for these purposes.The bill, also upon appropriation for these purposes, would require the department to create a framework and multiyear plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model that includes specified information and to publish the plan on the departments internet website. The bill would require the department to provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to these provisions before September 1, 2026.Existing law prohibits an admitted insurer licensed to issue policies of residential property insurance from failing or refusing to accept an application for, or issuing a policy to an applicant for, that insurance, except as specified, or from canceling the insurance, under conditions less favorable to the insured than in other comparable cases, except for reasons applicable alike to persons of every sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation. Existing law provides that sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation shall not, of itself, constitute a condition or risk for which a higher rate, premium, or charge may be required of the insured.Existing law also adds, for specified types of real property, certain other characteristics relating to the insured or the insured property to the categories that an insurer is prohibited from using for the purposes described above, including, under certain circumstances, the level or source of income and the receipt of government or public assistance by an individual or group of individuals residing or intending to reside upon the property, as specified. This bill would make a nonsubstantive, technical change to these provisions.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: NOYES Local Program: NO
Amended IN Senate March 26, 2025
Amended IN Senate March 26, 2025
CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION
Senate Bill
No. 429
Introduced by Senator CorteseFebruary 18, 2025
Introduced by Senator Cortese
February 18, 2025
An act to amend Section 679.74 of An act to add Article 12 (commencing with Section 970) to Chapter 1 of Part 2 of Division 1 of the Insurance Code, relating to insurance.
LEGISLATIVE COUNSEL'S DIGEST
## LEGISLATIVE COUNSEL'S DIGEST
SB 429, as amended, Cortese. Property insurance: discrimination. Wildfire Safety and Risk Mitigation Program.
Existing law creates the Department of Insurance and prescribes the departments powers and duties. Existing law generally regulates the business of insurance in the state, including the underwriting and ongoing monitoring of insured risks. Existing law generally requires an insurer or insurance producer to have underwriting guidelines that establish the criteria and process under which an insurer makes its decision to provide or to deny coverage.Existing law requires an admitted insurer with written California premiums totaling $10,000,000 or more, to submit a report, as specified, to the commissioner with specified fire risk information on its residential property policies. Existing law requires the commissioner to post on the departments internet website a report on wildfire risk compiled from data collected from specified insurers.This bill, upon appropriation for these purposes, would establish the Wildfire Safety and Risk Mitigation Program to fund the development, demonstration, and deployment of a public wildfire catastrophe model, as defined, and to provide grant funding to one or more universities for eligible projects with specified criteria for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts. The bill would create the Wildfire Safety and Risk Mitigation Account within the Insurance Fund for these purposes.The bill, also upon appropriation for these purposes, would require the department to create a framework and multiyear plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model that includes specified information and to publish the plan on the departments internet website. The bill would require the department to provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to these provisions before September 1, 2026.Existing law prohibits an admitted insurer licensed to issue policies of residential property insurance from failing or refusing to accept an application for, or issuing a policy to an applicant for, that insurance, except as specified, or from canceling the insurance, under conditions less favorable to the insured than in other comparable cases, except for reasons applicable alike to persons of every sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation. Existing law provides that sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation shall not, of itself, constitute a condition or risk for which a higher rate, premium, or charge may be required of the insured.Existing law also adds, for specified types of real property, certain other characteristics relating to the insured or the insured property to the categories that an insurer is prohibited from using for the purposes described above, including, under certain circumstances, the level or source of income and the receipt of government or public assistance by an individual or group of individuals residing or intending to reside upon the property, as specified. This bill would make a nonsubstantive, technical change to these provisions.
Existing law creates the Department of Insurance and prescribes the departments powers and duties. Existing law generally regulates the business of insurance in the state, including the underwriting and ongoing monitoring of insured risks. Existing law generally requires an insurer or insurance producer to have underwriting guidelines that establish the criteria and process under which an insurer makes its decision to provide or to deny coverage.
Existing law requires an admitted insurer with written California premiums totaling $10,000,000 or more, to submit a report, as specified, to the commissioner with specified fire risk information on its residential property policies. Existing law requires the commissioner to post on the departments internet website a report on wildfire risk compiled from data collected from specified insurers.
This bill, upon appropriation for these purposes, would establish the Wildfire Safety and Risk Mitigation Program to fund the development, demonstration, and deployment of a public wildfire catastrophe model, as defined, and to provide grant funding to one or more universities for eligible projects with specified criteria for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts. The bill would create the Wildfire Safety and Risk Mitigation Account within the Insurance Fund for these purposes.
The bill, also upon appropriation for these purposes, would require the department to create a framework and multiyear plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model that includes specified information and to publish the plan on the departments internet website. The bill would require the department to provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to these provisions before September 1, 2026.
Existing law prohibits an admitted insurer licensed to issue policies of residential property insurance from failing or refusing to accept an application for, or issuing a policy to an applicant for, that insurance, except as specified, or from canceling the insurance, under conditions less favorable to the insured than in other comparable cases, except for reasons applicable alike to persons of every sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation. Existing law provides that sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation shall not, of itself, constitute a condition or risk for which a higher rate, premium, or charge may be required of the insured.
Existing law also adds, for specified types of real property, certain other characteristics relating to the insured or the insured property to the categories that an insurer is prohibited from using for the purposes described above, including, under certain circumstances, the level or source of income and the receipt of government or public assistance by an individual or group of individuals residing or intending to reside upon the property, as specified.
This bill would make a nonsubstantive, technical change to these provisions.
## Digest Key
## Bill Text
The people of the State of California do enact as follows:SECTION 1. Article 12 (commencing with Section 970) is added to Chapter 1 of Part 2 of Division 1 of the Insurance Code, to read: Article 12. Wildfire Safety and Risk Mitigation Program970. (a) The Wildfire Safety and Risk Mitigation Program is hereby established.(b) The purpose of the program is to provide funding to one or more universities for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts.(c) Projects eligible for a grant under this article include either of the following:(1) The development of a public wildfire catastrophe model that can provide insight for state and local emergency planners, aid wildfire safety efforts that protect lives and property, increase research and development on wildfire risk mitigation strategies, inform actuarial analyses, create training opportunities for students and professionals, and support effective regulation and financial oversight of insurance rates, risk assessments, and insurance company solvency risks and risk management.(2) The development of outreach initiatives to identify and educate potential users of a public wildfire catastrophe model, including, but not limited to, state and local emergency planners, wildfire safety groups, agricultural and business groups, research organizations, and educators.(d) For the purposes of this article, a public wildfire catastrophe model means a computerized process that uses the best available science to simulate potential property damage caused by major wildfires and has readily accessible documentation and programs for use by public agencies, organizations, and individuals.971. (a) The Wildfire Safety and Risk Mitigation Program shall be administered by the department. (b) The department shall award grants on a competitive basis. The department shall establish minimum standards, funding schedules, and procedures for awarding grants. In determining these standards, the department shall do all of the following:(1) Outline performance criteria and metrics. (2) Ensure that the program is administered in furtherance of applicable insurance laws and regulations, including, but not limited to, Sections 2642.7, 2644.16, 2644.25, 2644.4.5, and 2644.9 of Title 10 of the California Code of Regulations.(3) Consider research and development of modeling techniques and actuarial analyses specific to the effectiveness of actions to mitigate and prevent the risk of loss due to wildfires, including those actions at the property, community, and regional scale by utilities and local, state, and federal governments.(4) Promote publicly accessible information to inform individual property and community-scale mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes.(5) Leverage, to the maximum extent feasible, federal or private funding.(6) Ensure activities undertaken pursuant to this article complement efforts by the federal government and private industries, including insurance, to achieve wildfire safety at the community scale. (7) Consider recommendations to the commissioner by the Public Wildfire Catastrophe Model Strategy Group. 972. In evaluating grant proposals pursuant to this article, the department shall give priority to projects that demonstrate one or more of the following:(a) A benefit to disadvantaged communities determined under Sections 39711 and 39713 of the Health and Safety Code, vulnerable communities as defined in subdivision (d) of Section 71340 of the Public Resources Code, and where insurance access has become a major challenge for the public due to wildfire risk.(b) Assistance to state and local governments in protecting communities from devastating wildfire disasters and promoting equitable recovery.(c) An educational benefit for California students to train a future workforce in the effective use of available data and modeling tools for planning, risk analysis and reduction, and actuarial approaches, with a focus on collaboration between multiple universities and public higher education institutions.(d) The availability for use by governments and others in running scenarios to help reduce the risks of loss of life and property.(e) The availability of publicly accessible information useful for property level risk assessments with sufficient detail to be useful for community and property mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes, including property- and community-level actions.(f) The understanding of environmental factors that affect the risk of loss, including extreme temperatures, drought, and other conditions.(g) The ability to improve consumer information, relief, transparency, and understanding about catastrophe modeling.973. (a) The department shall create a framework and plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model created pursuant to a grant provided by this article.(b) The framework and plan shall articulate a multiyear plan for the development, demonstration, and deployment of a public wildfire catastrophe model.(c) The framework and plan shall be published on the departments internet website upon completion.974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insurance Fund. Funds in the account shall fund the development, demonstration, and deployment of public wildfire catastrophe modeling.975. Upon implementation of the first round of grants issued pursuant to this article, the department shall identify, publish, and make available on its internet website key milestones for the completion of a public wildfire catastrophe model, including additional research, outreach, and operational steps needed to fully establish the model.976. The department shall provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to this article before September 1, 2026.977. This article shall not be construed to limit or conflict with the commissioners authority regarding rate regulation, or any other provisions of this code.978. This article shall be operative upon appropriation by the Legislature for these purposes.SECTION 1.Section 679.74 of the Insurance Code is amended to read:679.74.(a)An admitted insurer that is licensed to issue a policy of insurance upon real property of the type described in paragraph (1) of subdivision (a) of Section 675 or paragraph (1) of subdivision (b) of Section 675.5, when that real property is used for residential purposes, or property of the type described in subdivision (a) of Section 10087, shall not fail or refuse to accept an application for, or to issue a policy to an applicant for, that insurance unless the insurance is to be issued to the applicant by another insurer under the same management and control, or cancel that insurance, based upon the following characteristics:(1)The level or source of income of an individual or group of individuals residing or intending to reside upon the property to be insured, if the individual or group of individuals is not the owner of the real property.(2)The receipt of assistance, intended for housing, from the federal or state government, or from a local public entity, as defined in Section 50079 of the Health and Safety Code, including, but not limited to, federal vouchers issued under Section 8 of the United States Housing Act of 1937 (42 U.S.C. Sec. 1437f), by an individual or group of individuals residing or intending to reside upon the property insured or to be insured.(b)An application for a policy of insurance upon real property of the type described in subdivision (a), or an insurance investigation report furnished by an insurer to its agents or employees for use in determining the insurability of an applicant under such a policy, shall not carry any identification, or any requirement for identification, of the following characteristics:(1)The level or source of income of an individual or group of individuals residing or intending to reside upon the property to be insured, if the individual or group of individuals is not the owner of the real property.(2)The receipt of assistance, intended for housing, from the federal or state government, or from a local public entity, as defined in Section 50079 of the Health and Safety Code, including, but not limited to, federal vouchers issued under Section 8 of the United States Housing Act of 1937 (42 U.S.C. Sec. 1437f), by an individual or group of individuals residing or intending to reside upon the property insured or to be insured.(c)In the case of real property of the type described in paragraph (1) of subdivision (a) of Section 675, paragraph (1) of subdivision (b) of Section 675.5, or subdivision (a) of Section 10087 that is used for both residential and commercial purposes, the insurer, or its agent or employee, may consider the source of income of a nonresidential tenant of the property in determining the insurability of an applicant.(d)Nothing in this section prohibits an insurer from failing or refusing to accept an application for, issuing, canceling, or failing to renew, a policy of insurance covered by this chapter as a result of underwriting or assessment of factors other than those characteristics listed in subdivision (a), or as otherwise prohibited by law.
The people of the State of California do enact as follows:
## The people of the State of California do enact as follows:
SECTION 1. Article 12 (commencing with Section 970) is added to Chapter 1 of Part 2 of Division 1 of the Insurance Code, to read: Article 12. Wildfire Safety and Risk Mitigation Program970. (a) The Wildfire Safety and Risk Mitigation Program is hereby established.(b) The purpose of the program is to provide funding to one or more universities for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts.(c) Projects eligible for a grant under this article include either of the following:(1) The development of a public wildfire catastrophe model that can provide insight for state and local emergency planners, aid wildfire safety efforts that protect lives and property, increase research and development on wildfire risk mitigation strategies, inform actuarial analyses, create training opportunities for students and professionals, and support effective regulation and financial oversight of insurance rates, risk assessments, and insurance company solvency risks and risk management.(2) The development of outreach initiatives to identify and educate potential users of a public wildfire catastrophe model, including, but not limited to, state and local emergency planners, wildfire safety groups, agricultural and business groups, research organizations, and educators.(d) For the purposes of this article, a public wildfire catastrophe model means a computerized process that uses the best available science to simulate potential property damage caused by major wildfires and has readily accessible documentation and programs for use by public agencies, organizations, and individuals.971. (a) The Wildfire Safety and Risk Mitigation Program shall be administered by the department. (b) The department shall award grants on a competitive basis. The department shall establish minimum standards, funding schedules, and procedures for awarding grants. In determining these standards, the department shall do all of the following:(1) Outline performance criteria and metrics. (2) Ensure that the program is administered in furtherance of applicable insurance laws and regulations, including, but not limited to, Sections 2642.7, 2644.16, 2644.25, 2644.4.5, and 2644.9 of Title 10 of the California Code of Regulations.(3) Consider research and development of modeling techniques and actuarial analyses specific to the effectiveness of actions to mitigate and prevent the risk of loss due to wildfires, including those actions at the property, community, and regional scale by utilities and local, state, and federal governments.(4) Promote publicly accessible information to inform individual property and community-scale mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes.(5) Leverage, to the maximum extent feasible, federal or private funding.(6) Ensure activities undertaken pursuant to this article complement efforts by the federal government and private industries, including insurance, to achieve wildfire safety at the community scale. (7) Consider recommendations to the commissioner by the Public Wildfire Catastrophe Model Strategy Group. 972. In evaluating grant proposals pursuant to this article, the department shall give priority to projects that demonstrate one or more of the following:(a) A benefit to disadvantaged communities determined under Sections 39711 and 39713 of the Health and Safety Code, vulnerable communities as defined in subdivision (d) of Section 71340 of the Public Resources Code, and where insurance access has become a major challenge for the public due to wildfire risk.(b) Assistance to state and local governments in protecting communities from devastating wildfire disasters and promoting equitable recovery.(c) An educational benefit for California students to train a future workforce in the effective use of available data and modeling tools for planning, risk analysis and reduction, and actuarial approaches, with a focus on collaboration between multiple universities and public higher education institutions.(d) The availability for use by governments and others in running scenarios to help reduce the risks of loss of life and property.(e) The availability of publicly accessible information useful for property level risk assessments with sufficient detail to be useful for community and property mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes, including property- and community-level actions.(f) The understanding of environmental factors that affect the risk of loss, including extreme temperatures, drought, and other conditions.(g) The ability to improve consumer information, relief, transparency, and understanding about catastrophe modeling.973. (a) The department shall create a framework and plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model created pursuant to a grant provided by this article.(b) The framework and plan shall articulate a multiyear plan for the development, demonstration, and deployment of a public wildfire catastrophe model.(c) The framework and plan shall be published on the departments internet website upon completion.974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insurance Fund. Funds in the account shall fund the development, demonstration, and deployment of public wildfire catastrophe modeling.975. Upon implementation of the first round of grants issued pursuant to this article, the department shall identify, publish, and make available on its internet website key milestones for the completion of a public wildfire catastrophe model, including additional research, outreach, and operational steps needed to fully establish the model.976. The department shall provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to this article before September 1, 2026.977. This article shall not be construed to limit or conflict with the commissioners authority regarding rate regulation, or any other provisions of this code.978. This article shall be operative upon appropriation by the Legislature for these purposes.
SECTION 1. Article 12 (commencing with Section 970) is added to Chapter 1 of Part 2 of Division 1 of the Insurance Code, to read:
### SECTION 1.
Article 12. Wildfire Safety and Risk Mitigation Program970. (a) The Wildfire Safety and Risk Mitigation Program is hereby established.(b) The purpose of the program is to provide funding to one or more universities for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts.(c) Projects eligible for a grant under this article include either of the following:(1) The development of a public wildfire catastrophe model that can provide insight for state and local emergency planners, aid wildfire safety efforts that protect lives and property, increase research and development on wildfire risk mitigation strategies, inform actuarial analyses, create training opportunities for students and professionals, and support effective regulation and financial oversight of insurance rates, risk assessments, and insurance company solvency risks and risk management.(2) The development of outreach initiatives to identify and educate potential users of a public wildfire catastrophe model, including, but not limited to, state and local emergency planners, wildfire safety groups, agricultural and business groups, research organizations, and educators.(d) For the purposes of this article, a public wildfire catastrophe model means a computerized process that uses the best available science to simulate potential property damage caused by major wildfires and has readily accessible documentation and programs for use by public agencies, organizations, and individuals.971. (a) The Wildfire Safety and Risk Mitigation Program shall be administered by the department. (b) The department shall award grants on a competitive basis. The department shall establish minimum standards, funding schedules, and procedures for awarding grants. In determining these standards, the department shall do all of the following:(1) Outline performance criteria and metrics. (2) Ensure that the program is administered in furtherance of applicable insurance laws and regulations, including, but not limited to, Sections 2642.7, 2644.16, 2644.25, 2644.4.5, and 2644.9 of Title 10 of the California Code of Regulations.(3) Consider research and development of modeling techniques and actuarial analyses specific to the effectiveness of actions to mitigate and prevent the risk of loss due to wildfires, including those actions at the property, community, and regional scale by utilities and local, state, and federal governments.(4) Promote publicly accessible information to inform individual property and community-scale mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes.(5) Leverage, to the maximum extent feasible, federal or private funding.(6) Ensure activities undertaken pursuant to this article complement efforts by the federal government and private industries, including insurance, to achieve wildfire safety at the community scale. (7) Consider recommendations to the commissioner by the Public Wildfire Catastrophe Model Strategy Group. 972. In evaluating grant proposals pursuant to this article, the department shall give priority to projects that demonstrate one or more of the following:(a) A benefit to disadvantaged communities determined under Sections 39711 and 39713 of the Health and Safety Code, vulnerable communities as defined in subdivision (d) of Section 71340 of the Public Resources Code, and where insurance access has become a major challenge for the public due to wildfire risk.(b) Assistance to state and local governments in protecting communities from devastating wildfire disasters and promoting equitable recovery.(c) An educational benefit for California students to train a future workforce in the effective use of available data and modeling tools for planning, risk analysis and reduction, and actuarial approaches, with a focus on collaboration between multiple universities and public higher education institutions.(d) The availability for use by governments and others in running scenarios to help reduce the risks of loss of life and property.(e) The availability of publicly accessible information useful for property level risk assessments with sufficient detail to be useful for community and property mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes, including property- and community-level actions.(f) The understanding of environmental factors that affect the risk of loss, including extreme temperatures, drought, and other conditions.(g) The ability to improve consumer information, relief, transparency, and understanding about catastrophe modeling.973. (a) The department shall create a framework and plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model created pursuant to a grant provided by this article.(b) The framework and plan shall articulate a multiyear plan for the development, demonstration, and deployment of a public wildfire catastrophe model.(c) The framework and plan shall be published on the departments internet website upon completion.974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insurance Fund. Funds in the account shall fund the development, demonstration, and deployment of public wildfire catastrophe modeling.975. Upon implementation of the first round of grants issued pursuant to this article, the department shall identify, publish, and make available on its internet website key milestones for the completion of a public wildfire catastrophe model, including additional research, outreach, and operational steps needed to fully establish the model.976. The department shall provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to this article before September 1, 2026.977. This article shall not be construed to limit or conflict with the commissioners authority regarding rate regulation, or any other provisions of this code.978. This article shall be operative upon appropriation by the Legislature for these purposes.
Article 12. Wildfire Safety and Risk Mitigation Program970. (a) The Wildfire Safety and Risk Mitigation Program is hereby established.(b) The purpose of the program is to provide funding to one or more universities for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts.(c) Projects eligible for a grant under this article include either of the following:(1) The development of a public wildfire catastrophe model that can provide insight for state and local emergency planners, aid wildfire safety efforts that protect lives and property, increase research and development on wildfire risk mitigation strategies, inform actuarial analyses, create training opportunities for students and professionals, and support effective regulation and financial oversight of insurance rates, risk assessments, and insurance company solvency risks and risk management.(2) The development of outreach initiatives to identify and educate potential users of a public wildfire catastrophe model, including, but not limited to, state and local emergency planners, wildfire safety groups, agricultural and business groups, research organizations, and educators.(d) For the purposes of this article, a public wildfire catastrophe model means a computerized process that uses the best available science to simulate potential property damage caused by major wildfires and has readily accessible documentation and programs for use by public agencies, organizations, and individuals.971. (a) The Wildfire Safety and Risk Mitigation Program shall be administered by the department. (b) The department shall award grants on a competitive basis. The department shall establish minimum standards, funding schedules, and procedures for awarding grants. In determining these standards, the department shall do all of the following:(1) Outline performance criteria and metrics. (2) Ensure that the program is administered in furtherance of applicable insurance laws and regulations, including, but not limited to, Sections 2642.7, 2644.16, 2644.25, 2644.4.5, and 2644.9 of Title 10 of the California Code of Regulations.(3) Consider research and development of modeling techniques and actuarial analyses specific to the effectiveness of actions to mitigate and prevent the risk of loss due to wildfires, including those actions at the property, community, and regional scale by utilities and local, state, and federal governments.(4) Promote publicly accessible information to inform individual property and community-scale mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes.(5) Leverage, to the maximum extent feasible, federal or private funding.(6) Ensure activities undertaken pursuant to this article complement efforts by the federal government and private industries, including insurance, to achieve wildfire safety at the community scale. (7) Consider recommendations to the commissioner by the Public Wildfire Catastrophe Model Strategy Group. 972. In evaluating grant proposals pursuant to this article, the department shall give priority to projects that demonstrate one or more of the following:(a) A benefit to disadvantaged communities determined under Sections 39711 and 39713 of the Health and Safety Code, vulnerable communities as defined in subdivision (d) of Section 71340 of the Public Resources Code, and where insurance access has become a major challenge for the public due to wildfire risk.(b) Assistance to state and local governments in protecting communities from devastating wildfire disasters and promoting equitable recovery.(c) An educational benefit for California students to train a future workforce in the effective use of available data and modeling tools for planning, risk analysis and reduction, and actuarial approaches, with a focus on collaboration between multiple universities and public higher education institutions.(d) The availability for use by governments and others in running scenarios to help reduce the risks of loss of life and property.(e) The availability of publicly accessible information useful for property level risk assessments with sufficient detail to be useful for community and property mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes, including property- and community-level actions.(f) The understanding of environmental factors that affect the risk of loss, including extreme temperatures, drought, and other conditions.(g) The ability to improve consumer information, relief, transparency, and understanding about catastrophe modeling.973. (a) The department shall create a framework and plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model created pursuant to a grant provided by this article.(b) The framework and plan shall articulate a multiyear plan for the development, demonstration, and deployment of a public wildfire catastrophe model.(c) The framework and plan shall be published on the departments internet website upon completion.974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insurance Fund. Funds in the account shall fund the development, demonstration, and deployment of public wildfire catastrophe modeling.975. Upon implementation of the first round of grants issued pursuant to this article, the department shall identify, publish, and make available on its internet website key milestones for the completion of a public wildfire catastrophe model, including additional research, outreach, and operational steps needed to fully establish the model.976. The department shall provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to this article before September 1, 2026.977. This article shall not be construed to limit or conflict with the commissioners authority regarding rate regulation, or any other provisions of this code.978. This article shall be operative upon appropriation by the Legislature for these purposes.
Article 12. Wildfire Safety and Risk Mitigation Program
Article 12. Wildfire Safety and Risk Mitigation Program
970. (a) The Wildfire Safety and Risk Mitigation Program is hereby established.(b) The purpose of the program is to provide funding to one or more universities for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts.(c) Projects eligible for a grant under this article include either of the following:(1) The development of a public wildfire catastrophe model that can provide insight for state and local emergency planners, aid wildfire safety efforts that protect lives and property, increase research and development on wildfire risk mitigation strategies, inform actuarial analyses, create training opportunities for students and professionals, and support effective regulation and financial oversight of insurance rates, risk assessments, and insurance company solvency risks and risk management.(2) The development of outreach initiatives to identify and educate potential users of a public wildfire catastrophe model, including, but not limited to, state and local emergency planners, wildfire safety groups, agricultural and business groups, research organizations, and educators.(d) For the purposes of this article, a public wildfire catastrophe model means a computerized process that uses the best available science to simulate potential property damage caused by major wildfires and has readily accessible documentation and programs for use by public agencies, organizations, and individuals.
970. (a) The Wildfire Safety and Risk Mitigation Program is hereby established.
(b) The purpose of the program is to provide funding to one or more universities for the purpose of creating a research and educational center responsible for developing, demonstrating, and deploying a public wildfire catastrophe model that provides significant wildfire safety benefits to California communities and assists alignment of federal, state, and local wildfire risk reduction efforts.
(c) Projects eligible for a grant under this article include either of the following:
(1) The development of a public wildfire catastrophe model that can provide insight for state and local emergency planners, aid wildfire safety efforts that protect lives and property, increase research and development on wildfire risk mitigation strategies, inform actuarial analyses, create training opportunities for students and professionals, and support effective regulation and financial oversight of insurance rates, risk assessments, and insurance company solvency risks and risk management.
(2) The development of outreach initiatives to identify and educate potential users of a public wildfire catastrophe model, including, but not limited to, state and local emergency planners, wildfire safety groups, agricultural and business groups, research organizations, and educators.
(d) For the purposes of this article, a public wildfire catastrophe model means a computerized process that uses the best available science to simulate potential property damage caused by major wildfires and has readily accessible documentation and programs for use by public agencies, organizations, and individuals.
971. (a) The Wildfire Safety and Risk Mitigation Program shall be administered by the department. (b) The department shall award grants on a competitive basis. The department shall establish minimum standards, funding schedules, and procedures for awarding grants. In determining these standards, the department shall do all of the following:(1) Outline performance criteria and metrics. (2) Ensure that the program is administered in furtherance of applicable insurance laws and regulations, including, but not limited to, Sections 2642.7, 2644.16, 2644.25, 2644.4.5, and 2644.9 of Title 10 of the California Code of Regulations.(3) Consider research and development of modeling techniques and actuarial analyses specific to the effectiveness of actions to mitigate and prevent the risk of loss due to wildfires, including those actions at the property, community, and regional scale by utilities and local, state, and federal governments.(4) Promote publicly accessible information to inform individual property and community-scale mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes.(5) Leverage, to the maximum extent feasible, federal or private funding.(6) Ensure activities undertaken pursuant to this article complement efforts by the federal government and private industries, including insurance, to achieve wildfire safety at the community scale. (7) Consider recommendations to the commissioner by the Public Wildfire Catastrophe Model Strategy Group.
971. (a) The Wildfire Safety and Risk Mitigation Program shall be administered by the department.
(b) The department shall award grants on a competitive basis. The department shall establish minimum standards, funding schedules, and procedures for awarding grants. In determining these standards, the department shall do all of the following:
(1) Outline performance criteria and metrics.
(2) Ensure that the program is administered in furtherance of applicable insurance laws and regulations, including, but not limited to, Sections 2642.7, 2644.16, 2644.25, 2644.4.5, and 2644.9 of Title 10 of the California Code of Regulations.
(3) Consider research and development of modeling techniques and actuarial analyses specific to the effectiveness of actions to mitigate and prevent the risk of loss due to wildfires, including those actions at the property, community, and regional scale by utilities and local, state, and federal governments.
(4) Promote publicly accessible information to inform individual property and community-scale mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes.
(5) Leverage, to the maximum extent feasible, federal or private funding.
(6) Ensure activities undertaken pursuant to this article complement efforts by the federal government and private industries, including insurance, to achieve wildfire safety at the community scale.
(7) Consider recommendations to the commissioner by the Public Wildfire Catastrophe Model Strategy Group.
972. In evaluating grant proposals pursuant to this article, the department shall give priority to projects that demonstrate one or more of the following:(a) A benefit to disadvantaged communities determined under Sections 39711 and 39713 of the Health and Safety Code, vulnerable communities as defined in subdivision (d) of Section 71340 of the Public Resources Code, and where insurance access has become a major challenge for the public due to wildfire risk.(b) Assistance to state and local governments in protecting communities from devastating wildfire disasters and promoting equitable recovery.(c) An educational benefit for California students to train a future workforce in the effective use of available data and modeling tools for planning, risk analysis and reduction, and actuarial approaches, with a focus on collaboration between multiple universities and public higher education institutions.(d) The availability for use by governments and others in running scenarios to help reduce the risks of loss of life and property.(e) The availability of publicly accessible information useful for property level risk assessments with sufficient detail to be useful for community and property mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes, including property- and community-level actions.(f) The understanding of environmental factors that affect the risk of loss, including extreme temperatures, drought, and other conditions.(g) The ability to improve consumer information, relief, transparency, and understanding about catastrophe modeling.
972. In evaluating grant proposals pursuant to this article, the department shall give priority to projects that demonstrate one or more of the following:
(a) A benefit to disadvantaged communities determined under Sections 39711 and 39713 of the Health and Safety Code, vulnerable communities as defined in subdivision (d) of Section 71340 of the Public Resources Code, and where insurance access has become a major challenge for the public due to wildfire risk.
(b) Assistance to state and local governments in protecting communities from devastating wildfire disasters and promoting equitable recovery.
(c) An educational benefit for California students to train a future workforce in the effective use of available data and modeling tools for planning, risk analysis and reduction, and actuarial approaches, with a focus on collaboration between multiple universities and public higher education institutions.
(d) The availability for use by governments and others in running scenarios to help reduce the risks of loss of life and property.
(e) The availability of publicly accessible information useful for property level risk assessments with sufficient detail to be useful for community and property mitigation planning, focusing on reducing the primary risk factors for wildfire catastrophes, including property- and community-level actions.
(f) The understanding of environmental factors that affect the risk of loss, including extreme temperatures, drought, and other conditions.
(g) The ability to improve consumer information, relief, transparency, and understanding about catastrophe modeling.
973. (a) The department shall create a framework and plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model created pursuant to a grant provided by this article.(b) The framework and plan shall articulate a multiyear plan for the development, demonstration, and deployment of a public wildfire catastrophe model.(c) The framework and plan shall be published on the departments internet website upon completion.
973. (a) The department shall create a framework and plan, to the extent possible and with available data, for the development, demonstration, and deployment of a public wildfire catastrophe model created pursuant to a grant provided by this article.
(b) The framework and plan shall articulate a multiyear plan for the development, demonstration, and deployment of a public wildfire catastrophe model.
(c) The framework and plan shall be published on the departments internet website upon completion.
974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insurance Fund. Funds in the account shall fund the development, demonstration, and deployment of public wildfire catastrophe modeling.
974. The Wildfire Safety and Risk Mitigation Account is hereby created within the Insurance Fund. Funds in the account shall fund the development, demonstration, and deployment of public wildfire catastrophe modeling.
975. Upon implementation of the first round of grants issued pursuant to this article, the department shall identify, publish, and make available on its internet website key milestones for the completion of a public wildfire catastrophe model, including additional research, outreach, and operational steps needed to fully establish the model.
975. Upon implementation of the first round of grants issued pursuant to this article, the department shall identify, publish, and make available on its internet website key milestones for the completion of a public wildfire catastrophe model, including additional research, outreach, and operational steps needed to fully establish the model.
976. The department shall provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to this article before September 1, 2026.
976. The department shall provide recommendations to the Legislature, Budget Committees, and the Governor for future budget allocations related to this article before September 1, 2026.
977. This article shall not be construed to limit or conflict with the commissioners authority regarding rate regulation, or any other provisions of this code.
977. This article shall not be construed to limit or conflict with the commissioners authority regarding rate regulation, or any other provisions of this code.
978. This article shall be operative upon appropriation by the Legislature for these purposes.
978. This article shall be operative upon appropriation by the Legislature for these purposes.
(a)An admitted insurer that is licensed to issue a policy of insurance upon real property of the type described in paragraph (1) of subdivision (a) of Section 675 or paragraph (1) of subdivision (b) of Section 675.5, when that real property is used for residential purposes, or property of the type described in subdivision (a) of Section 10087, shall not fail or refuse to accept an application for, or to issue a policy to an applicant for, that insurance unless the insurance is to be issued to the applicant by another insurer under the same management and control, or cancel that insurance, based upon the following characteristics:
(1)The level or source of income of an individual or group of individuals residing or intending to reside upon the property to be insured, if the individual or group of individuals is not the owner of the real property.
(2)The receipt of assistance, intended for housing, from the federal or state government, or from a local public entity, as defined in Section 50079 of the Health and Safety Code, including, but not limited to, federal vouchers issued under Section 8 of the United States Housing Act of 1937 (42 U.S.C. Sec. 1437f), by an individual or group of individuals residing or intending to reside upon the property insured or to be insured.
(b)An application for a policy of insurance upon real property of the type described in subdivision (a), or an insurance investigation report furnished by an insurer to its agents or employees for use in determining the insurability of an applicant under such a policy, shall not carry any identification, or any requirement for identification, of the following characteristics:
(1)The level or source of income of an individual or group of individuals residing or intending to reside upon the property to be insured, if the individual or group of individuals is not the owner of the real property.
(2)The receipt of assistance, intended for housing, from the federal or state government, or from a local public entity, as defined in Section 50079 of the Health and Safety Code, including, but not limited to, federal vouchers issued under Section 8 of the United States Housing Act of 1937 (42 U.S.C. Sec. 1437f), by an individual or group of individuals residing or intending to reside upon the property insured or to be insured.
(c)In the case of real property of the type described in paragraph (1) of subdivision (a) of Section 675, paragraph (1) of subdivision (b) of Section 675.5, or subdivision (a) of Section 10087 that is used for both residential and commercial purposes, the insurer, or its agent or employee, may consider the source of income of a nonresidential tenant of the property in determining the insurability of an applicant.
(d)Nothing in this section prohibits an insurer from failing or refusing to accept an application for, issuing, canceling, or failing to renew, a policy of insurance covered by this chapter as a result of underwriting or assessment of factors other than those characteristics listed in subdivision (a), or as otherwise prohibited by law.