Homeowners and Renters Insurance 2025 Legislation

Financial Services

Depending on the type and amount of coverage, a homeowner's insurance policy can help protect a homebuyer's investment and help rebuild or replace items should disaster-natural or human-made-strike. Most mortgage lenders require homeowners to have an insurance policy to protect the home-the collateral for the mortgage. Renters' insurance can provide similar benefits for those living in rental properties.

Homes and other buildings can face multiple perils such as: hail, flooding, theft, falling trees, tornadoes, pipe bursts, hurricanes and windstorms, and wildfires.

Recently, the affordability and availability of property insurance, particularly in disaster-prone states, has become an issue as the U.S. has experienced increasing numbers of intense natural disasters. According to the National Oceanic and Atmospheric Administration, there were 27 confirmed weather-related disaster events with losses exceeding $1 billion each in the United States in 2024. As a result, homeowner's insurance premiums have risen and, in some areas, insurance companies have canceled or refused to renew policies in certain areas.

Responding to the affordability and availability challenges facing the property insurance market, state legislators are proposing legislation covering areas including insurance premiums, the cancellation and nonrenewal of policies, incentives and assistance programs to help homeowners reduce potential losses through mitigation and home strengthening programs and residual markets or last-resort insurance programs.

Jurisdiction and Summary	Bill Number	Bill Title	Bill Status	Bill Summary
Alabama	H 106	Catastrophe Savings Accounts	Pending	Relates to catastrophe savings accounts; provides further for the expenditures that may be paid from a catastrophe savings account; provides further for caps on how much can be contributed to a catastrophe savings account.
Alabama	H 275	State Insurance Regulations	Pending	Concerns state insurance regulations; defines replacement cost.
Alabama	S 73	Catastrophe Savings Accounts	Pending	Relates to catastrophe savings accounts; provides further for the expenditures that may be paid from a catastrophe savings account; provides further for caps on how much can be contributed to a catastrophe savings account.
Alaska	S 11	Flood Insurance	Pending	Relates to flood insurance; relates to property insurance; establishes the state Flood Authority and the state Flood Insurance Fund.
Arizona	H 2384	Fire Insurance and Wildfire Risk Modeling	Pending	Relates to fire insurance; relates to wildfire risk modeling.
Arizona	H 2613	Fire Insurance Review Task Force	Pending	Relates to fire insurance review task force.
Arizona	H 2800	Fire Insurance and Policy Cancellation and Prohibition	Pending	Provides that if the governor declares a state of emergency, after a natural disaster or wildfire, an insurer may not cancel or refuse to renew, for the next 60 days, a fire insurance policy with an insured that resides or that is located within a five-mile radius of the natural disaster or wildfire.
Arizona	H 2819	Residential Property Insurance	Pending	Relates to residential property insurance; relates to fire; relates to underwriting.
Arkansas	S 48	Insurance Policies Deductibles Disclosure	Enacted	Provides that an insurance policy for owner occupied residential property insurance issued or renewed in the state shall disclose, as applicable, on the policy declaration page or notice of renewal of the policy all deductibles included under the policy in a clear and conspicuous manner so that the insured can identify any applicable deductibles under the policy or renewal; provides that such policy that contains separate deductible levels by peril shall display these deductible amounts.
Arkansas	S 70	Standards for Insurance Policies	Enacted	Amends the law concerning standards for insurance policies; revises the notice requirements of an insurer for a premium increase; provides that when an insurer revises its rates or rules and the revision results in a premium increase equal to or greater than a specified percent on any renewal policy issued for a specified term, the insurer shall mail or deliver notice within a specified number of days stating the insurers intention to increase the premium.
Arkansas	S 179	Strengthen Arkansas Homes Act	Pending	Establishes the Strengthen Arkansas Homes Act; creates the Strengthen Arkansas Homes Program Premium Tax Fund; provides that the program is created for the purpose of providing financial grants to real property owners and nonprofit organizations to assist and promote the mitigation of losses to insurable dwellings due to catastrophic wind events, including hail, according to FORTIFIED Home construction standards published by the Insurance Institute for Business and Home Safety or a successor entity.
Arkansas	S 366	Strengthen Homes	Pending	Creates the strengthen state homes act; creates the Strengthen Arkansas Homes Program Fund.
California	A 1	Residential Property Insurance: Wildfire Risk	Pending	Requires the Department of Insurance, on specified date to consider whether to update its regulations to include additional building hardening measures for property-level mitigation efforts and communitywide wildfire mitigation programs.
California	A 69	FAIR Plan Policy Renewals	Pending	Requires a broker of record to determine if a FAIR Plan policy can be moved to a voluntary market insurance company before the policy is renewed.
California	A 75	Residential Property Insurance Images	Pending	Requires an admitted insurer to notify a residential property insurance policyholder at least a specified number of days in advance of the day that aerial images will be taken of the insured property, unless a claim has been submitted or is pending on the property and the images will be used only for evaluating the claim. Requires the insurer to provide the aerial images upon request and requires the notice to include instructions regarding how a policyholder may make that request.
California	A 226	Insurance	Pending	Authorizes the California FAIR Plan Association, if granted prior approval from the commissioner, to request the California Infrastructure and Economic Development Bank to issue bonds and would authorize the bank to issue those bonds to finance the costs of claims, to increase liquidity and claims-paying capacity of the association, and to refund bonds previously issued for that purpose.
California	A 232	Natural Disasters: Catastrophe Savings Accounts	Pending	Authorizes a homeowner to establish one catastrophe savings account that, among other things, has the specified purpose of covering the amount of insurance deductibles and other uninsured portions of risks of loss from wildfire, flood, or earthquake. Requires distributions from a catastrophe savings account to be used to cover qualified catastrophe expenses, defined as expenses paid or incurred due to damage to or loss of a homeowner's primary residence caused by a wildfire, flood, or earthquake.
California	A 262	California Individual Assistance Act	Pending	Enacts the California Individual Assistance Act to establish a grant program to provide financial assistance to local agencies, community-based organizations, and individuals for specified costs related to a disaster, as prescribed. Requires the director of emergency services to allocate from the Disaster Assistance Fund, subject to specified conditions, funds to meet the cost of expenses for those purposes.
California	A 376	Personal Income Tax Law: Exclusions: Insurance Proceeds	Pending	Provides an exclusion from gross income for any amount received by a qualified taxpayer as qualified insurance proceeds. Defines qualified insurance proceeds for this purpose to mean any amount received under a homeowner's insurance policy or a renter's insurance policy for damages or expenses resulting from a fire occurring in an area that is proclaimed by the governor to be in a state of emergency.
California	A 389	Personal Income Tax: Tax Credits: Fire-Resistant Home	Pending	Allows a credit against personal income taxes for each taxable year beginning on or after Jan. 1, 2025, and before Jan. 1, 2030, to a qualified taxpayer, as defined, in an amount equal to specified percent of the taxpayer's qualified expenses, as defined, not to exceed specified amount per taxable year, or specified amount cumulatively.
California	A 488	Insurance: California FAIR Plan Association	Pending	Relates to existing law which required, within 90 days after July 23, 2021, the California FAIR Plan Association to file a new or amended rate application for basic property insurance with the Insurance Commissioner. Repeals the requirement to file a new or amended rate application and would delete the requirement that the toll-free number be published in all general distribution telephone directories in the state.
California	A 570	Insurance: Policy Documents	Pending	Requires the insurer to provide the insured a free copy of their fire insurance policy within 15 calendar days of receiving a request from the insured.
California	A 1236	Insurance: Climate and Sustainability Insurance	Pending	Requires the Department of Insurance to establish and administer the Climate and Sustainability Insurance and Risk Reduction Grant Program, to be funded upon appropriation by the Legislature, for the purpose of achieving specified goals, including developing proofs of concept that expand insurance options and testing community purchased insurance to reduce overall insurance costs.
California	A 1354	Personal Income Tax Law: Credits: Insurance	Pending	Provides for taxable years beginning on or after Jan. 1, 2025, and before Jan. 1, 2030, allows a credit against the personal income tax law to a qualified taxpayer equal to the amount paid during the taxable year for premium payments made by the taxpayer for a policy of residential property insurance, as defined, minus the base year premium, defined as the premium paid by the taxpayer for a fire insurance policy in the 2023 calendar year.
California	A 1467	Residential Property Insurance: Tree Fire Risks	Pending	Exempts a residential property insurance policyholder from state and local laws, ordinances, fees, and fines associated with the removal of a tree if their insurer identifies the tree as a fire risk and the Department of Forestry and Fire Protection confirms that the tree is a fire risk.
California	S 365	Fire Insurance: Reporting on Cancellation & Nonrenewal	Pending	Requires the Department of Insurance, on or before Jan. 1, 2027, and on or before each Jan. 1 thereafter, to report specified information to the Legislature on the effect of a specified one-year prohibition against cancellation or nonrenewal has had on cancellations and nonrenewals of policies of residential property insurance in ZIP codes adjacent to, but not included in, an area where the prohibition applies, as well as for ZIP codes for which the prohibition has expired.
California	S 495	Fire Insurance	Pending	Makes technical, nonsubstantive changes to fire insurance provisions.
California	S 525	California FAIR Plan: Manufactured Homes	Pending	Defines basic property insurance offered through the FAIR Plan to include manufactured homes insurance that is comparable to basic property insurance sold for residential dwellings.
California	S 547	Commercial Property Insurance Cancellation	Pending	Extends a prohibition against cancellation or nonrenewal and its exceptions to a policy of commercial property insurance.
Colorado	H 1182	Risk Model Use in Property Insurance Policies	Pending	Concerns tools to assess risk for the purpose of underwriting property insurance policies.
Colorado	H 1302	Increase Access Homeowners Insurance Enterprises	Pending	Concerns increasing the availability of homeowner's insurance in the state.
Connecticut	H 5088	Homeowners Insurance Coverage	Failed	Requires homeowners’ insurance policies in this state to provide coverage for the peril of collapse for residential buildings affected by crumbling foundations.
Connecticut	H 5686	Homeowners Insurance Coverage for the Peril of Collapse	Failed	Requires homeowners’ insurance policies to provide coverage for the peril of collapse.
Connecticut	H 5731	Homeowner Insurance Companies	Failed	Prohibits homeowners’ insurance companies from denying homeowners insurance coverage to property owners based on the breed of a tenants dog trained as a guide or assistance dog when such property owner is required to allow such tenant to have such dog pursuant to state or federal law.
Connecticut	H 6133	Use of Drones By Homeowners Insurance Companies	Failed	Prohibits the use of drones by homeowners' insurance companies; prohibits any homeowners insurance company from using drones for inspection or surveillance purposes prior to offering homeowners insurance coverage, unless such homeowners insurance company provides at least seven business days' notice to such owner by mail or electronic mail, as determined by such owner, of such inspection or surveillance.
Connecticut	H 6138	Cancellation Notices of Property or Casualty Insurance	Failed	Requires cancellation notices of property or casualty insurance coverage for seniors; requires any property or casualty insurance company to provide sufficient notice, in writing, to any policyholder who is 65 years of age or older or to such policyholder's authorized representative when such policyholder's coverage is in danger of, or has been, cancelled.
Connecticut	H 6967	Assignment of Post Loss Homeowners	Pending	Concerns the assignment of post-loss homeowners and commercial property insurance benefits and home improvement contractors and salespersons; establishes a process for the assignment of post-loss benefits under homeowners and commercial property insurance policies; modifies the required terms of home improvement contracts; precludes home improvement contractors from engaging in certain conduct to induce owners to enter home improvement contracts.
Connecticut	H 6981	Electronic Posting of Certain Documents	Pending	Concerns electronic posting of certain documents by insurers, nonrenewal or cancellation of property and casualty insurance policies, federal home loan banks and the insurers rehabilitation and liquidation act, hypothecation of assets and surplus lines insurance; allows insurers to post certain insurance policies and endorsements on such insurers' Internet web sites.
Connecticut	S 339	Optional Payment of the Healthy Homes Fund Surcharge	Failed	Provides for optional payment of the healthy homes fund surcharge; eliminates the requirement that insureds under certain homeowners’ insurance policies pay, and provide for optional payment of, the surcharge.
Connecticut	S 340	Healthy Homes Fund Surcharge	Failed	Eliminates the requirement that insureds under certain homeowners’ insurance policies pay the surcharge imposed pursuant to section 38a-331 of the general statutes.
Connecticut	S 1016	Study of Certain Homeowner Practices	Failed	Requires that the Insurance Department conduct a study of homeowners insurance practices that require policyholders to make repairs or modifications to such policyholders' residential properties as a condition of granting or maintaining coverage.
Connecticut	S 1245	Resilient Connecticut Strategy	Pending	Concerns Resilient Connecticut Strategy; implements the governor's budget recommendations.
Connecticut	S 1322	Nonprofit Human Services	Pending	Concerns nonprofit human services providers, requiring studies of insurance pooling for nonprofit organizations and certain practices by homeowners' insurance companies and exempting nonprofit organizations from certain automobile insurance and bond requirements; protects nonprofit human services providers from liability for injuries caused by negligent acts or omissions of the state or third parties.
Connecticut	S 1385	Study of Flood Insurance Coverage	Pending	Requires the insurance commissioner to conduct a study of flood insurance coverage options for owners of residential or commercial property; requires the insurance commissioner to conduct a study of flood insurance coverage options for owners of residential or commercial property in this state.
Delaware	None
District of Columbia	None
Florida	H 13	Windstorm Coverage	Failed	Requires the Citizens Property Insurance Corporation to make windstorm coverage available to homeowners for any residential structures and to commercial lines residential structures; provides requirements for windstorm coverage; authorizes homeowners to obtain windstorm coverage from certain insurance agents; provides underwriting and administering requirements for the windstorm coverage portion of insurance; provides requirements for claims settlement payments.
Florida	H 643	Residual Market Insurers	Pending	Revises circumstances under which insurance coverage is eligible for export; removes diligent effort and other requirements before insurance coverage is eligible for export; transfers to surplus lines insurance those provisions relating to liability of insureds and deductibles, insurers duty to acknowledge communications regarding residential property insurance claims and investigations, notice of property insurance claim, suits arising under property insurance policy, surplus lines agent licenses.
Florida	H 705	Annual Rate Increases	Pending	Provides that required annual rate increases and limits on such increases for coverages by Citizens Property Insurance Corporation do not apply to new policies issued after specified date and to subsequent renewals of such policies.
Florida	H 763	Consumer Guide To Homeowners Insurance	Pending	Requires the Office of Insurance Regulation to provide consumer guide relating to homeowners insurance on publicly accessible website; specifies requirements for such guide.
Florida	H 825	Exemption of Assets	Pending	Exempts certain moneys from specified legal process; defines homeowner savings plan.
Florida	H 841	Residential Property Insurance Policy Cancellations	Pending	Prohibits insurers from canceling or nonrenewing, within certain time frames, policies covering personal residential or commercial residential properties damaged by hurricanes or wind losses; provides that such prohibition applies to flood damages caused by hurricanes; provides that insurer may not cancel personal residential or commercial residential property insurance policies until certain repairs are made or specified policy renewal expires; prohibits certain claims for loss or damage.
Florida	H 957	Limits on Property Insurance Rates	Pending	Limits rates filed by property insurers with Office of Insurance Regulation to specified percentage.
Florida	H 959	Trust Fund and Creation	Pending	Creates Emergency Residential Property Insurance Assistance Trust Fund within Department of Financial Services; provides purpose, funding, and administration of trust fund; provides eligibility for trust fund; provides for future review and termination or re-creation of trust fund.
Florida	H 1073	Coverage By Citizens Property Insurance Corporation	Pending	Revises eligibility for coverage of residential structures in certain counties by Citizens Property Insurance Corporation; requires corporation to implement certain rate increases annually in such counties for single policies issued by corporation; provides additional policies issued by corporation which do not require policyholders to purchase flood insurance as condition for maintaining policies.
Florida	H 1087	Property Insurance Claims	Pending	Establishes mandatory procedure for resolution of disputed insurance claims; removes alternative procedure for resolution of disputed insurance claims; requires insurers, at specified times, to notify policyholders of mandatory procedure; authorizes policyholder to file with Division of Administrative Hearing petition to resolve claims; requires administrative law judge to review petition and dismiss certain petitions.
Florida	H 1433	Hurricane Mitigation Grants and Insurers Regulations	Pending	Requires Department of Financial Services to require that certain mitigation improvements be made as condition of reimbursing homeowner approved for My Safe Florida State Home Program grant; increases surpluses required for certain insurers applying for their original certificates of authority and maintaining their certificates of authority, respectively.
Florida	H 1459	My Safe Florida Home Program	Pending	Provides for wind and flood damage mitigation grants under My Safe Florida Home Program; provides requirements for eligibility and application for wind and flood mitigation inspections; requires Department of Financial Services to contract with wind and flood certification entities to provide mitigation inspections; provides details for maximum state contribution to mitigation grants.
Florida	H 1535	Emergencies	Pending	Revises provisions relating to emergencies including tenant rights, elections held after emergency, planning and preparedness for election emergencies, emergency management plans, training, government offices, National Flood Insurance Program participation, information sharing, contracts for emergency services, hurricane recovery, minimizing potential debris, and hoisting equipment.
Florida	H 1541	Property Insurance Policies	Pending	Specifies that certain provisions relating to homeowners policies, offers of replacement cost coverage, and offers of law and ordinance coverage do not prohibit insurers from providing specified property insurance policies; includes roof covering reimbursement schedules; provides requirements for roof covering reimbursement schedules; specifies that certain provisions relating to homeowners policies, offers of replacement cost coverage, and offers of law and ordinance coverage do not prohibit insurers.
Florida	HM 4003	Federal Catastrophe Risk Pool	Pending	Urges Congress to establish a federal catastrophe risk pool spread the risk and reduce the cost of property insurance premiums.
Florida	HM 4069	Homeowners Insurance Reform	Pending	Urges Congress to institute homeowners’ insurance reform.
Florida	S 114	Insurance Research	Pending	Renames the state Catastrophic Storm Risk Management Center to the state Center for Excellence in Insurance and Risk Management; requires the center to collaborate with the Office of Insurance Regulation to produce an annual report analyzing the property insurance market in this state; requires the center to use the public hurricane loss projection model when necessary; requires the office to contract with the center to manage the public hurricane loss projection model.
Florida	S 128	Residential Property Insurers	Pending	Requires homeowners’ policy insurers to give specified notifications to policyholders; requires that such notice be mailed and, under certain circumstances, e-mailed; specifies exceptions to notification requirements.
Florida	S 194	Insurance Solutions Advisory Council	Pending	Creates the Insurance Solutions Advisory Council within the Office of Insurance Regulation of the Financial Services Commission for specified purposes; providing for membership; provides for advisory council meetings; requires the office to provide the advisory council with staffing and administrative assistance; requires the advisory council to submit a specified report annually; provides for expiration of the advisory council.
Florida	S 230	Insurance	Pending	Clarifies the prohibition related to claims for extracontractual damages; requires that certain damages be available under and pursuant to a specified policy; prohibits public adjusters from engaging in certain adversarial conduct; revises the circumstances under which an insurer or agent may cancel certain policies; revises the required statement by insurers issuing an insurance policy that does not provide flood insurance.
Florida	S 790	Policy Cancellations and Nonrenewals	Pending	Prohibits insurers from canceling or nonrenewing, within certain time frames, policies covering personal residential or commercial residential properties damaged by hurricanes or wind losses; provides that an insurer may not cancel personal residential or commercial residential property insurance policies until certain repairs are made or a specified policy renewal expires; requires homeowners policy insurers to give specified notifications to policyholders.
Florida	S 888	Consumer Transparency for Homeowners Insurance	Pending	Requires the Office of Insurance Regulation to provide a consumer guide relating to homeowners’ insurance on a publicly accessible website.
Florida	S 1020	Coverage by Citizens Property Insurance Corporation	Pending	Revises eligibility for coverage of residential structures in certain counties by Citizens Property Insurance Corporation; requires the corporation to implement certain rate increases annually in such counties for single policies issued by the corporation; provides additional policies issued by the corporation which do not require policyholders to purchase flood insurance as a condition for maintaining the policies.
Florida	S 1044	Emergency Residential Property Insurance Assistance	Pending	Creates the Emergency Residential Property Insurance Assistance Trust Fund within the Department of Financial Services; provides for funding and administration of the trust fund; provides for eligibility for financial assistance from the trust fund; provides for future review and termination or re-creation of the trust fund.
Florida	S 1184	Residual Market Insurers	Pending	Removes the diligent effort and other requirements for insurance coverage to be eligible for export; transfers to surplus lines insurance those provisions relating to liability of insureds and deductibles; prohibits policyholders from assigning post-loss insurance benefits under property insurance policies; requires settlements or verdicts against insureds as a condition precedent to the accrual or maintenance of causes of actions against liability insurers by persons who are not insureds.
Florida	S 1192	Assessment of Homestead Property	Pending	Prohibits the assessed value of elevated homestead property from exceeding a specified amount for a specified time frame under certain circumstances; requires a property owner who uses a specified limitation to maintain active homeowners and flood insurances for a specified time frame; provides that failure to maintain such coverage may result in the reassessment of the property's value without a specified benefit.
Florida	S 1222	Rate Standards for Property Insurers	Pending	Revises the powers of the consumer advocate; specifies that failure to obey certain court orders may be punished as contempt; prohibits the Office of Insurance Regulation from approving certain rate filings.
Florida	S 1448	Annual Rate Increases for Coverages	Pending	Provides that the required annual rate increases and the limits on such increases for coverages by Citizens Property Insurance Corporation do not apply to new policies issued after a specified date or to subsequent renewals of such policies.
Florida	S 1466	My Safe Florida Home Trust Fund	Pending	Creates the My Safe Florida Home Trust Fund within the Department of Financial Services; requires that a certain percentage of specified sales tax be distributed into the fund; provides for future review and termination or re-creation of the trust fund.
Florida	S 1712	Florida Hurricane Catastrophe Fund	Pending	Specifies the retention multiple for specified contracts under the Florida Hurricane Catastrophe Fund program beginning on a certain date; provides the adjusted retention multiple for insurers electing the 100% coverage level; authorizes, rather than requiring, a certain formula to provide for a cash build-up factor; requires the cash build-up factor to be frozen beginning in a specified contract year and to freeze for a specified period ending by a specified date.
Florida	S 1720	Exemption of Assets	Pending	Exempts certain moneys from specified legal processes; defines the term homeowner savings plan.
Florida	S 1740	Insurance	Pending	Specifies that hurricane mitigation grants funded through the My Safe Florida Home Program may be awarded only under certain circumstances; revises the surplus required for certain insurers applying for their original certificates of authority and to maintain their certificates of authority, respectively; specifies prohibitions for persons who were officers or directors of an insolvent insurer, attorneys in fact of a reciprocal insurer.
Florida	S 1746	Property Insurance Policies	Pending	Specifies that certain provisions relating to homeowners policies, offers of replacement cost coverage, and offers of law and ordinance coverage do not prohibit insurers from providing specified property insurance policies by including roof covering reimbursement schedules; prohibits application of a roof covering reimbursement schedule under certain circumstances; specifies that certain provisions relating to homeowners policies, offers of replacement cost coverage, and offers of law and ordinance.
Georgia	H 223	Revenue and Taxation	Pending	Relates to revenue and taxation, to authorize certain local governing authorities to provide temporary tax relief from ad valorem taxes levied for the harvest or sale of standing timber from eligible timber property that was severely damaged or destroyed in certain disaster areas; provides for conditions and procedures; provides for the establishment of a certification form.
Georgia	H 511	Income Tax	Pending	Relates to income tax imposition, rate, computation, exemptions, and credits, so as to provide for tax advantaged catastrophe savings accounts; establishes limits for contributions to and withdrawals from such accounts; provides for tax treatment of contributions, interest, and withdrawals; provide for definitions; provides for rules and regulations; provides for related matters; provides for an effective date and applicability; to repeal conflicting laws; relates to homeowner's insurance policy.
Georgia	H 606	FAIR Plan Stabilization Act	Pending	Relates to fair access to insurance requirements, so as to authorize the directors of the underwriting association affiliated with the Fair Access to Insurance Requirements Plan to, subject to the Commissioners approval, redistribute risks to insurers in the plan on a more equitable basis; provides for a short title; provides legislative findings; provides for an effective date; provides for related matters; repeals conflicting laws.
Georgia	S 35	Property Insurance Policies	To governor	Relates to the cancellation or nonrenewal of certain property insurance policies; increases the number of days of notice required to be given a policyholder before the nonrenewal of his or her homeowners insurance policy; provides that the insurer shall provide the reason or reasons for nonrenewal.
Georgia	S 230	Condominiums	Pending	Relates to condominiums, to remove the limitation on the maximum amount of insurance deductibles payable by unit owners; provides for related matters; repeals conflicting laws.
Guam	None
Hawaii	H 20	Lava Zone Insurance Fund	Pending	Establishes a Lava Zone Insurance Fund; subsidizes the cost of insurance premiums for properties in lava zones one and two; defines lava zones one and two; appropriates funds.
Hawaii	H 253	Condominiums Building and Hurricane Damage Insurance	Pending	Relates to condominium master insurance or condominium master hurricane insurance; relates any provision of this article to the contrary, in the event that an existing condominium master insurance policy or condominium master hurricane insurance policy procured by a condominium association or its board of directors, whether wholly or partially, is issued by a surplus lines insurer, an admitted insurer may offer such policies at an amount of no more than 50% of the amount charged.
Hawaii	H 254	Property Insurance	Pending	Requires insurers to provide advance written notice to policyholders and the insurance commissioner, with reasonable explanations and primary factors, of any policy cancellation, nonrenewal, or proposed premium increase, if, upon renewal, premiums are scheduled to increase more than 10%; requires insurers that provide property insurance to file rate schedules and underlying criteria with the insurance commissioner; requires the insurance commissioner to conduct periodic reviews of rates.
Hawaii	H 255	Property Insurance Premium Change Notice	Pending	Requires insurers to provide automatic, advance written premium change notices to common interest community policyholders and the insurance commissioner, with reasonable explanations and primary factors, disclosing the causes of any premium increase if, upon renewal, premiums are scheduled to increase more than an unspecified percent; requires insurers that renewed property insurance policies between specified years for policyholders that were condominium associations, planned community associations.
Hawaii	H 285	Condominiums Property Coverage Tax Credits	Pending	Establishes tax credits for insurers providing full property coverage to owners and associations of condominiums in the amount equal to 20% of the insurance premium; provides additional 10% tax credits to insurers incorporated in the state.
Hawaii	H 355	Wind Resistive Devices Income Tax Credit	Pending	Establishes a nonrefundable individual income tax credit for expenses paid to retrofit a residence with wind resistive devices.
Hawaii	H 426	Property Insurance Market Stabilization	Pending	Stabilizes the property insurance market so that insurers continue to insure properties in the state; ensures access to adequate property insurance for certain properties located within the state to allow lenders to finance mortgages that meet the requirements of the secondary mortgage market; relates to hurricane insurance.
Hawaii	H 490	Insurance and Condominium	Pending	Requires the insurance commissioner to study the feasibility of the mutual insurance model for condominium associations and submit a report to the Legislature.
Hawaii	H 589	Condominium Insurance	Pending	Establishes the state Condominium Mutual Insurance Company to provide property and casualty insurance to high rise residential condominium properties and the owners of those units; establishes a loan fund to assist associations of apartment owners experiencing increased insurance costs; appropriates moneys.
Hawaii	H 590	Condominiums Annual Insurance Premiums	Pending	Requires property insurers to offer discounts on a condominium association's annual insurance premium if the association adopts specific risk mitigation upgrades or develops comprehensive disaster response plans; requires property insurers of condominiums to base premium increases on actuarial justifications that reflect actual risk reduction resulting from upgraded fire safety improvements installed in conjunction with a building fire and life safety evaluation.
Hawaii	H 699	Insurance Policies Involving Pet Animals	Pending	Prohibits landlords from charging additional monthly fees for the keeping of a pet animal, except in certain circumstances; prohibits landlords from charging more than one-third of one month's rent as an additional pet animal security deposit.
Hawaii	H 885	Condominium Associations Insurance Upgrade Discounts	Pending	Establishes a program; requires property insurers; offers discounts to condominium associations that make certain upgrades; takes other specific actions; increases the building's resilience; reduces the association's risk profile; requires the Insurance Commissioner; adopts rules; implements the program.
Hawaii	H 1047	Licensed Mortgage Servicers	Pending	Relates to interest on insurance proceeds related to a mortgage loan; provides that in the event of a state of emergency declared by the governor pursuant to specified section a state financial institution shall comply with the following requirements concerning the handling, processing, and disbursement of insurance proceeds paid to satisfy a claim associated with the damage or destruction of a residential property that is the subject of a mortgage, including hazard insurance.
Hawaii	H 1056	State Treasury	Pending	Establishes the Strengthen Hawaii Homes Program to encourage single family homeowners to retrofit their homes to resist damage by providing for grants to help offset the cost of retrofits; appropriates funds.
Hawaii	H 1057	Property Insurance Association	Pending	Expands the powers of the state Property Insurance Association and state Hurricane Relief Fund to help to stabilize the property insurance market in the state; requires the insurance commissioner to conduct a study; appropriates moneys.
Hawaii	H 1201	Condominiums Full Property Coverage	Pending	Establishes tax credits for insurers; provides full property coverage to owners and associations of condominiums in the amount equal to 20% of the insurance premium; provides additional 10% tax credits to insurers incorporated in the state.
Hawaii	H 1251	Real Property Insurance Premiums Tax Credit Offset	Pending	Establishes a refundable income tax credit to offset the increase in real property insurance premiums for certain properties.
Hawaii	H 1341	Condominiums Full Property Insurance Tax Credits	Pending	Establishes tax credits for insurers providing full property coverage to owners and associations of condominiums in the amount equal to 20% of the insurance premium; provides additional 10% tax credits to insurers incorporated in the state.
Hawaii	H 1467	Strengthen Hawaii Homes Program	Pending	Establishes the Strengthen Hawaii Homes Program within the Department of Business, Economic Development, and Tourism to administer grants to retrofit residential properties to enhance resilience against disaster impacts and reduce potential insurance liabilities; appropriates funds.
Hawaii	H 1474	Insurance Affordability Assistance Pilot Program	Pending	Establishes the Insurance Affordability Assistance Pilot Program within the Insurance Division of the Department of Commerce and Consumer Affairs to assist eligible homeowners with sudden increases in property insurance premiums.
Hawaii	H 1502	Property and Casualty Insurance	Pending	Establishes requirements for property and casualty insurers and policies for pre and post disaster protections; provides that in the event of a loss under a homeowners insurance policy issued or renewed on or after the specified date for which the insured has made a claim for additional living expenses, the insurer shall provide the insured with a list of items that the insurer believes may be covered under the policy as additional living expenses.
Hawaii	HCR 172	Minimum Insurance Requirements	Pending	Requests the Federal Housing Finance Agency to direct Fannie Mae and Freddie Mac to repeal or reduce the minimum insurance requirements in guide section 4703.2, requiring condominium master insurance policy coverage for all perils in an amount equal to 100% of the replacement cost value of the project's improvements.
Hawaii	S 14	Property Insurance Premiums	Pending	Prohibits, beginning of specified date, an insurer of property, homeowner's, or renter's insurance from increasing the premium for a policyholder's insurance policy upon renewal unless the insurer submits a report to the policyholder and insurance commissioner and receives approval from the insurance commissioner; establishes penalties.
Hawaii	S 376	Home Fire Safety Improvement Tax Credit	Pending	Establishes a nonrefundable income tax credit for taxpayers who construct or install improvements to their residence that increase the residence's fire safety rating as calculated by the taxpayer's homeowner's insurance policy.
Hawaii	S 514	Wildfire Relief Fund	Pending	Establishes the state Wildfire Relief Fund and state Wildfire Relief Fund corporation within the Department of Commerce and Consumer Affairs to provide compensation for property damage resulting from catastrophic wildfires in the state; requires reports to the Legislature and governor; appropriates funds.
Hawaii	S 679	Hurricane Shelters	Pending	Appropriates funds for the Office of the Governor, in collaboration with the Insurance Division of the Department of Commerce and Consumer Affairs and state Emergency Management Agency, to strengthen existing hurricane shelters and develop new hurricane shelters to withstand category five hurricanes.
Hawaii	S 697	Residences Wind Resistive Devices Tax Credit	Pending	Establishes a nonrefundable individual income tax credit for expenses paid to retrofit a residence with wind resistive devices; requires the Department of Taxation to prepare forms; requires the Department of Commerce and Consumer Affairs to pre-certify claims. appropriates funds.
Hawaii	S 707	Lava Zone Insurance Fund	Pending	Establishes a Lava Zone Insurance Fund to subsidize the cost of insurance premiums for properties in lava zones 1 and 2; defines lava zones 1 and 2; appropriates funds.
Hawaii	S 752	Property Casualty Insurance Cancellation	Pending	Increases the notice period for an insurer to notify a policy holder of a cancellation or nonrenewal of a property casualty insurance policy.
Hawaii	S 802	Property Insurance Premium Change Notice	Pending	Requires insurers to provide advance written notice to policyholders and the insurance commissioner, with reasonable explanations and primary factors, of any policy cancellation, non-renewal, or proposed premium increase, if, upon renewal, premiums are scheduled to increase more than 10%; requires insurers that provide property insurance to file rate schedules and underlying criteria with the insurance commissioner.
Hawaii	S 803	Property Insurance Premium Change Notice	Pending	Requires insurers to provide automatic, advance written premium change notices to common interest community policyholders and the insurance commissioner, with reasonable explanations and primary factors, disclosing the causes of any premium increase if, upon renewal, premiums are scheduled to increase more than an unspecified percent; requires insurers that renewed property insurance policies between 2022 and 2024 for policyholders that were condominium associations, planned community associations.
Hawaii	S 804	Condominiums Property Insurance Premiums Discounts	Pending	Requires property insurers to offer discounts on a condominium association's annual insurance premium if the association adopts specific risk mitigation upgrades or develops comprehensive disaster response plans; requires property insurers of condominiums to base premium increases on actuarial justifications that reflect actual risk reduction resulting from upgraded fire safety improvements installed in conjunction with a building fire and life safety evaluation.
Hawaii	S 805	Condominium Mutual Insurance Company	Pending	Establishes the Hawaii Condominium Mutual Insurance Company to provide property and casualty insurance to high-rise residential condominium associations and the owners of those units; requires reports to the governor; establishes the Condominium Loan Fund to assist associations of apartment owners experiencing increased insurance costs; appropriates funds.
Hawaii	S 842	Condominiums Comprehensive Standards and Requirements	Pending	Requires the insurance commissioner to develop comprehensive standards and requirements for condominium associations and developers to obtain property insurance through self-insurance and mutual insurance, and examine and evaluate the feasibility of implementing guaranteed buyback programs and investment based protection funds.
Hawaii	S 1044	Property Insurance Market	Pending	Expands the powers of the Hawaii Property Insurance Association and reactivates the Hawaii Hurricane Relief Fund to help to stabilize the property insurance market in the state; requires the Hawaii Property Insurance Association and the Hawaii Hurricane Relief Fund to contract with domestic private insurers to act as a servicing facility by specified date; establishes the Condominium Loan Program and the condominium loan program special fund, to be administered by the Hawaii Green Infrastructure Authority.
Hawaii	S 1128	Property Insurance	Pending	Establishes requirements for insurers relating to claims for additional living expenses under homeowners’ insurance policies, including situations where losses are incurred during a state of emergency.
Hawaii	S 1129	Insurance Commissioner Risk Transfer Market Mechanisms	Pending	Requires the insurance commissioner to convene a working group to identify, assess, and recommend certain risk transfer market mechanisms.
Hawaii	S 1136	Insurance Ratemaking Regulations	Pending	Establishes ratemaking regulations for insurers who base their rates on a policyholder or applicant's wildfire risk; amends the definition of prospective loss costs to incorporate catastrophe modeling instead of historical aggregate losses; prohibits insurers from basing certain insurance rates on past loss experience within or outside the state; requires insurers to provide a list of items that may be covered under a homeowners insurance policy issued or renewed.
Hawaii	S 1140	Fair Access to Insurance Requirements Program	Pending	Establishes the Fair Access to Insurance Requirements Program, which shall be established in and administered by the Department of Commerce and Consumer Affairs to ensure that residents in high-risk areas can purchase affordable and comprehensive property insurance coverage for their residential properties; authorizes the director of commerce and consumer affairs to issue revenue bonds in amounts authorized by the Legislature, in which case the Premium Stabilization Fund shall be established.
Hawaii	S 1141	Property Insurance Minimum Requirements	Pending	Requires insurers offering homeowners insurance policies to comply with certain minimum requirements in cases of losses of owner-occupied residences due to a catastrophic disaster; appropriates funds.
Hawaii	S 1166	Property and Casualty Insurance Rates	Pending	Allows the state Property Insurance Association to file and litigate subrogation claims against responsible parties for claims paid by the insurer for losses resulting from climate disasters and extreme weather attributable to climate change; establishes a new, specific cause of action that allows insurers and injured parties to file claims against a responsible party for damages resulting from climate disasters, extreme weather related to climate change, and other long-term changes in the climate system.
Hawaii	S 1366	Mortgage Supports During Disasters	Pending	Requires licensed mortgage servicers and financial institutions to pay interest on insurance proceeds held for the benefit of consumers; provides that a fee shall not be charged to the borrower in connection with the maintenance or disbursement of interest earned from interest-bearing accounts.
Hawaii	S 1375	Strengthen Hawaii Homes Program	Pending	Establishes the Strengthen Hawaii Homes Program to encourage single family homeowners to retrofit their homes to resist damage by providing for grants to help offset the cost of retrofits; appropriates funds.
Hawaii	S 1376	Property Insurance	Pending	Expands the powers of the state Property Insurance Association and state Hurricane Relief Fund to help to stabilize the property insurance market in the state; requires the insurance commissioner to conduct a study; appropriates moneys.
Hawaii	S 1575	Condominiums Building and Hurricane Damage Insurance	Pending	Allows authorized insurers in the state to offer building and hurricane damage insurance for condominium buildings at a lesser rate than the building's prior surplus lines insurance policy for the same coverage.
Hawaii	S 1590	Insurance Affordability Assistance Pilot Program	Pending	Establishes the Insurance Affordability Assistance Pilot Program within the Insurance Division of the Department of Commerce and Consumer Affairs to assist eligible homeowners with sudden increases in property insurance premiums; sunsets a specified date.
Hawaii	SCR 57	National Reinsurance Program	Pending	Urges the U.S. Congress to enact a national reinsurance program to address the multi state insurance crisis resulting from catastrophic natural disasters.
Hawaii	SCR 155	Private Property Insurance Industry Report	Pending	Requests the insurance commissioner to produce a detailed report regarding the state of the private property insurance industry in the state.
Hawaii	SCR 186	Minimum Insurance Requirements	Pending	Requests the Federal Housing Finance Agency to direct Fannie Mae and Freddie Mac to repeal or reduce the minimum insurance requirements in guide section 4703.2, requiring condominium master insurance policy coverage for all perils in an amount equal to 100% of the replacement cost value of the project's improvements.
Hawaii	SR 41	National Reinsurance Program	Pending	Urges the U.S. Congress to enact a national reinsurance program to address the multi state insurance crisis resulting from catastrophic natural disasters.
Hawaii	SR 125	Private Property Insurance Industry Report	Pending	Requests the insurance commissioner to produce a detailed report regarding the state of the private property insurance industry in the state.
Idaho	H 17	Department of Insurance	Pending	Amends and adds to existing law to establish a wildfire risk mitigation and stabilization pool, fund, and board.
Idaho	H 384	Department of Insurance	Pending	Amends and adds to existing law to establish the Wildfire Risk Mitigation Fund.
Idaho	HCR 16	Insurance	Pending	States findings of the legislature and authorizes the legislative Council to appoint a committee to study the property insurance market in the state.
Illinois	H 3426	Insurance Code	Pending	Amends the Insurance Code; increases one of the fees allowed as part of the taxable costs in a specified action to a certain amount; provides that it shall be unlawful for any company transacting insurance business in this state to pay a claim of an insured property owner for loss by fire or explosion to a structure located in this state where the amount recoverable for loss to the structure under a policy exceeds certain amount, until the insurance company receives the required certificate; sets forth.
Illinois	H 3799	Insurance Code	Pending	Amends the Insurance Code; provides that specified notices of cancellation of insurance must be mailed at least 30 days prior to the effective date of cancellation to the named insured if the effective date of cancellation is within the first 60 days of coverage; provides that, after the coverage has been effective for 61 days or more, all notices must be mailed at least 60 days prior to the effective date of cancellation; makes conforming changes; creates the Climate Risk Disclosure Article.
Illinois	S 268	Insurance Code	Pending	Creates the Insurance Fairness and Consumer Protection Law Article of the Insurance Code; provides that insurers must submit a request for approval to the Department of Insurance for any proposed rate increase for homeowners insurance premiums or automobile insurance premiums; prohibits implementing any rate increase without prior written approval of the Department; prohibits using nondriving factors, such as credit score, occupation, and education level, to determine automobile insurance premiums.
Illinois	S 269	Insurance Code	Pending	Creates the Insurance Rate Transparency Law as an article of the Insurance Code; provides that, beginning on a specified date, each insurer offering automobile and homeowners insurance policies in Illinois shall maintain a publicly accessible website displaying a summary of the annual percentage increase or decrease in premium rates for homeowners insurance policies and automobile insurance policies; requires the website to display the rate-change data for the previous five years, updated annually.
Illinois	S 1914	Condominium Property Act	Pending	Amends the Condominium Property Act; requires that if there is negligence on the part of the board resulting in the loss of use of a unit by the unit owner, a portion of the reserves must be designated for use to assist the unit owner in covering expenses incurred as a result of the loss of use if the unit owner does not carry Category D loss-of-use insurance.
Illinois	S 2472	Insurance Code	Pending	Amends the Insurance Code; provides that specified notices of cancellation of insurance must be mailed at least 30 days prior to the effective date of cancellation to the named insured if the effective date of cancellation is within the first 60 days of coverage; provides that, after the coverage has been effective for 61 days or more, all notices must be mailed at least 60 days prior to the effective date of cancellation; makes conforming changes; creates the Climate Risk Disclosure Article.
Indiana	H 1109	Aerial Photography	Pending	Requires an insurer that provides property insurance coverage to a named insured to take certain actions when the insurer uses aerial images to aid in its determination to not renew property insurance coverage for a named insured.
Indiana	H 1213	Updates Insurance Coverage Rules	To governor	Relates to insurance and transfer on death deeds; removes language regarding coverage under a casualty insurance policy or liability insurance policy on property transferred by a transfer on death deed; specifies that a provision regarding insurance coverage on property transferred by a transfer on death deed does not apply to a commercial lines property insurance policy.
Indiana	S 338	Department of Insurance Reports	Pending	Relates to department of insurance reports; requires the department of insurance, before Nov. 1 of each year, to submit to the legislative council and the interim study committee on financial institutions and insurance, a report regarding the total number of homeowner's insurance complaints received by the department during the immediately preceding calendar year and any open homeowner's insurance complaints from the immediately preceding calendar year.
Iowa	H 499	Establishment of a Disaster Assistance Grant Program	Pending	Provides for the establishment of a disaster assistance grant program and makes appropriations.
Iowa	H 622	Catastrophic Savings Account	Pending	Creates a catastrophic savings account and modifies individual income taxes for account holders and includes applicability provisions.
Iowa	H 911	Department of Insurance and Financial Services	Pending	Relates to matters under the purview of the Department of Insurance and Financial Services including financial literacy and exploitation, tax confidentiality, health insurance rates, health savings accounts, insurer withdrawals, property insurance, and service contracts; includes penalties.
Iowa	H 957	Natural Hazard Mitigation Financing Program	Pending	Relates to the natural hazard mitigation financing program, the disaster recovery housing assistance program, the disaster recovery new housing program, post-loss assignment of benefits, the licensing and regulation of adjusters, appraisers, and umpires, and the state economic emergency fund, and provides penalties; makes appropriations; includes effective date and retroactive applicability provisions.
Iowa	S 591	Natural Hazard Mitigation Financing Program	Pending	Relates to the natural hazard mitigation financing program, the disaster recovery housing assistance program, the disaster recovery new housing program, post-loss assignment of benefits, the licensing and regulation of adjusters, appraisers, and umpires, and the Iowa economic emergency fund, and provides penalties; makes appropriations; includes effective date and retroactive applicability provisions.
Kansas	S 25	Insurance Savings Account Act	Pending	Relates to property and casualty insurance; enacts the Insurance Savings Account Act; allows individuals and corporations to establish insurance savings accounts with certain financial institutions; provides for eligible expenses, requirements and restrictions for such accounts; requires the secretary of revenue to adopt rules and regulations; grants nonexclusive marketing authority to the state commissioner of insurance; establishes addition and subtraction modifications under the state Income Tax Act.
Kentucky	H 233	Prevention of Harmful Practices	Enacted	Relates to the prevention of harmful practices associated with property and casualty insurance; provides that where goods or services relating to real estate are expected to be paid from property, casualty, or property and casualty insurance proceeds, a contractor or person representing a contractor shall not file or claim a mechanics lien against an insured by reason of their failure or refusal to pay any excess charge over and above the amount paid or expected to be paid by an insurer under a policy.
Kentucky	H 447	Unfair Claims Settlement Practices	Pending	Establishes an unfair claims settlement practice relating to the alteration of an independent adjuster's, staff adjuster's, or public adjuster's report in connection with a homeowner's insurance claim without providing certain documentation to the insured.
Louisiana	None
Maine	H 420	Qualifying Downtown Businesses and Developments	Pending	Provides qualifying downtown businesses and developments with assistance paying flood insurance premiums.
Maine	S 29	Storm Preparedness	Pending	Increases storm preparedness for state communities, homes and infrastructure.
Maryland	H 449	Property Insurance Deductibles	Pending	Increases the maximum amount of a council of unit owners property insurance deductible for which a unit owner is responsible if the cause of damage to or destruction of any portion of the condominium originates from the unit owner’s unit.
Maryland	H 636	Property Insurance Deductibles	Failed	Increases, a specified amount, the maximum amount of the council of unit owners' property insurance deductible for which a unit owner is responsible; applies the act to all policies of property and casualty insurance issued, delivered, or renewed in the state to a condominium council of unit owners.
Maryland	H 1148	Property and Casualty Insurance Coverage Lapses	Pending	Prohibits a property and casualty insurer from denying coverage based on a prior lapse in coverage of the applicant if the lapse was due to the choice of the applicant and not losses incurred by or the claims history of the applicant.
Maryland	H 1541	Condominiums Mandatory Insurance Coverage	Pending	Requires a certain condominium unit owner to obtain a certain insurance policy for the unit; requires a certain insurance policy to include certain provisions; authorizes a council of unit owners to acquire an insurance policy on behalf of a unit owner who does not maintain a certain required insurance policy and charge the insurance premium as an assessment to the unit owner.
Maryland	S 446	Property Insurance Deductibles	Pending	Increases, from $10,000 to a specified amount, the maximum amount of the council of unit owners' property insurance deductible for which a unit owner is responsible if the cause of damage to or destruction of any portion of the condominium originates from the unit owner's unit.
Maryland	S 463	Property Insurance Deductibles	Pending	Increases, from $10,000 to a specified amount, the maximum amount of the council of unit owners' property insurance deductible for which a unit owner is responsible; applies the act to all policies of property and casualty insurance issued, delivered, or renewed in the State to a condominium council of unit owners.
Maryland	S 893	Insurance Regulations	Pending	Establishes and alters requirements governing the regulation of insurance in the state, including requirements related to reviews and examinations undertaken by the Maryland insurance commissioner, premium discounts, the temporary suspension of writing new homeowner's insurance policies, and claims handling; provides that certain insurers may be subject to additional market conduct examinations under certain circumstances.
Massachusetts	H 1085	Flood Insurance Rates	Pending	Relates to flood insurance rates.
Massachusetts	H 1097	Homeowners Insurance	Pending	Relates to homeowners’ insurance.
Massachusetts	H 1175	Insurance Premiums for Homeowners	Pending	Relates to insurance premiums for homeowners.
Massachusetts	H 1176	Homeowners Insurance Complaint Education	Pending	Relates to homeowners' insurance complaint education.
Massachusetts	H 1194	Homeowners Insurance Coverage	Pending	Relates to homeowner's insurance coverage for the cleanup of accidental home heating oil spills.
Massachusetts	H 1217	Modernizing Private Flood Insurance	Pending	Modernizes private flood insurance.
Massachusetts	H 1225	Sufficient Notice to Homeowners by Insurance Companies	Pending	Relates to ensuring sufficient notice to homeowners by insurance companies prior to inspections.
Massachusetts	H 1243	Homeowners Insurance	Pending	Relates to homeowners’ insurance.
Massachusetts	H 1271	Home Owners Insurance and Funding Repairs	Pending	Relates to homeowners’ insurance and funding repairs.
Massachusetts	H 1279	Insurance Rates Study	Pending	Provides for an investigation and study by a special commission to develop statutory and regulatory framework to address the setting of rates by insurance companies for properties with affordability restrictions.
Massachusetts	H 1302	Homeowners Insurance Coverage	Pending	Relates to homeowners’ insurance coverage for the remediation of home heating oil releases.
Massachusetts	H 1344	Non Renewal of a Homeowners Insurance Policy	Pending	Relates to the notice of nonrenewal of a homeowner's insurance policy.
Massachusetts	S 701	Insurance Policies Electronic Notices	Pending	Relates to electronic notices of the cancellation, renewal or nonrenewal of insurance policies.
Massachusetts	S 719	Private Flood Insurance Coverage and Rates	Pending	Relates to private flood insurance coverage and rates.
Massachusetts	S 739	Insurance Rate Review Transparency	Pending	Promotes insurance rate review transparency.
Massachusetts	S 787	Insurance Payouts After Property Damage	Pending	Establishes protections for homeowners by regulating mortgage lenders' handling of insurance payouts after property damage.
Michigan	None
Minnesota	H 1519	Regulates Homeowner's Insurance Advertisements	Pending	Relates to commerce; regulates homeowner's insurance advertisements.
Minnesota	H 2228	Homeowners and Commercial Property Insurance	Pending	Relates to commerce; establishes a task force on homeowners and commercial property insurance; appropriates money; requires a report.
Minnesota	H 2460	Insurance Midterm Policy Cancellation	Pending	Relates to insurance; amends time requirements for midterm policy cancellation.
Minnesota	S 665	Insurance Midterm Policy Cancellation	Pending	Relates to insurance; amends time requirements for midterm policy cancellation.
Minnesota	S 2230	Regulates Homeowner's Insurance Advertisements	Pending	Relates to commerce; regulates homeowner's insurance advertisements.
Mississippi	H 70	Property and Casualty Insurers Requirement	Failed	Requires property and casualty insurers to require blighted real property to be cleaned up before paying more than a specified portion of the damages owed; requires the insurance commissioner to enforce provisions and adopt any rules or regulations as necessary.
Mississippi	H 71	Property and Casualty Insurers Requirement	Failed	Requires property and casualty insurers to require blighted real property to be cleaned up before paying not more than 90% of the damages owed; authorizes the county or municipality to pay the rest; requires the commissioner of insurance to enforce the provisions of this act and adopt any rules or regulations necessary.
Mississippi	H 245	Hazard Mitigation Revolving Loan Fund Program	Failed	Establishes the Hazard Mitigation Revolving Loan Fund Program to provide assistance for projects that will reduce disaster risks for homeowners, businesses, nonprofit organizations, and communities in order to decrease the loss of life and property, the cost of insurance, federal disaster payments, or as otherwise required by federal law; provides that the state Department of Environmental Quality will administer the program; defines certain terms relating to the program; provides an application process.
Mississippi	H 396	Property Insurance	Failed	Provides that any property insurance policy issued or delivered in the state shall include an appraisal provision, which can be invoked by either party provided coverage has been acknowledged for any aspect of a loss, or a covered peril was involved in causing any aspect of the loss; provides the appraisal provision to be included; provides that the appraisal panel shall have the exclusive authority to determine the value of the property and the amount of the loss, including issues of causation.
Mississippi	H 1479	Hurricane Deductible	Failed	Provides for a hurricane deductible; provides definitions; provides that for all homeowners' insurance policies or other policies insuring a one or two family owner occupied premises for fire and allied lines, issued or renewed by authorized insurers on or after specified date, any separate deductible that applies in place of any other deductible to loss or damage resulting from a named storm or hurricane shall be applied on an annual basis to all named storm or hurricane losses.
Mississippi	H 1611	Property and Casualty Insurance Coverage	To governor	Requires insurance companies to issue notices for renewal, cancellation, reduction of coverage or nonrenewal of property and casualty insurance, automobile insurance, and workers' compensation insurance not less than a specified days before the effective date of the renewal, cancellation, reduction of coverage or nonrenewal.
Missouri	H 908	Real Property Damage to Siding Insurance Coverage	Pending	Creates provisions relating to insurance coverage for damage to siding on real property.
Montana	H 136	Property Insurance Laws	Pending	Allows insurers to provide a benefit or premium reduction to a policyholder for measures taken to reduce the risk of damage to property from fire, wind, and hail; provides that such measures include, among other things, using ignition resistant, fire resistive, or noncombustible building materials and installing fire alarm or emergency alarm systems; provides that a benefit or premium reduction does not constitute a midterm premium increase; requires an insurer to disclose the benefit or premium reduction.
Montana	H 533	Wildfire and Real Property	Pending	Requires insurers that use a wildfire risk score to provide the requester with certain information to enhance transparency.
Montana	S 530	Insurance Laws	Failed	Revises insurance laws relating to nonrenewals and cancellation of certain insurance policies.
Montana	SR 19	Board of Hail Insurance Appointees	Pending	Confirms governor's appointees for the board of hail insurance.
Nebraska	None
Nevada	A 437	Fair Access to Insurance Requirements Plan	Pending	Relates to property insurance; creates the Fair Access to Insurance Requirements Plan Association; requires the membership of certain authorized insurers in the Association; creates the board of directors of the association and prescribing the duties of the board; requires the board to establish the Fair Access to Insurance Requirements (FAIR) Plan; establishes the requirements of the FAIR Plan; provides other matters properly relating thereto.
New Hampshire	None
New Jersey	A 789	Flood Insurance Information	Pending	Requires insurers that sell flood insurance to provide certain policyholders with certain information.
New Jersey	A 1080	Renters Insurance	Pending	Mandates renter's insurance for individuals leasing dwelling units.
New Jersey	A 1460	Anti Concurrent Causation Clauses	Pending	Prohibits use of anti-concurrent causation clauses in homeowners’ insurance policies.
New Jersey	A 1647	Homeowners Insurers from Raising Rates	Pending	Prohibits homeowners' insurers from raising rates of insured on basis of insured's appeal of claim determination.
New Jersey	A 2904	Flood Insurance Premiums Property Tax Levy Cap	Pending	Adds to property tax levy cap exclusions increases in flood insurance premiums.
New Jersey	A 3303	Insurance Policies Cancellation Notice	Pending	Requires notice of cancellation or nonrenewal of automobile and homeowners’ insurance policies to be sent by certified mail, return receipt requested.
New Jersey	A 5030	Fire Damaged Property Insurance Proceeds Liens	Pending	Permits municipalities to place a lien on a fire damaged property’s insurance proceeds in certain instances and requires fire and explosion insurance coverage for certain individuals.
New Jersey	A 5450	Homeowners Insurance Coverage	Pending	Establishes plan for provision of coverage to homeowners who are otherwise unable to procure homeowners insurance.
New Jersey	ACR 71	Federal Flood Insurance Subsidies	Pending	Urges Congress and the President of the United States to increase subsidies for federal flood insurance.
New Jersey	S 306	Fire Damaged Property Insurance Proceeds Liens	Pending	Permits municipalities to place lien on fire damaged property's insurance proceeds in certain instances and requires fire and explosion insurance coverage for certain individuals.
New Jersey	S 1013	Condominium Association Insurance Deductible Assessment	Pending	Prohibits condominium associations from assessing insurance deductibles to individual unit owners or groups of unit owners.
New Jersey	S 1454	Flood Insurance Property Tax Levy Cap Exclusion	Pending	Adds to property tax levy cap exclusions increases in flood insurance premiums.
New Jersey	S 2894	Automobile and Homeowners Insurance Cancellation Notice	Pending	Requires notice of cancellation or nonrenewal of automobile and homeowners’ insurance policies to be sent by certified mail, return receipt requested.
New Jersey	SCR 21	Congressional Resolution	Pending	Urges Congress to investigate claims that insurance companies have used revised engineering reports to deny flood claims from Superstorm Sandy.
New Jersey	SCR 22	Investigative Resolution	Pending	Urges U.S. Department of Justice to investigate certain claims handling practices related to Superstorm Sandy flood insurance claims.
New Jersey	SCR 76	Federal Flood Insurance Subsidies	Pending	Urges Congress and the President of the United States to increase subsidies for federal flood insurance.
New Mexico	S 33	Wildfire Prepared Act	Pending	Adds members and duties to the Fire Planning Task Force, including, among others, a representative of the Office of the Superintendent of Insurance; creates the Wildfire Prepared Program; creates the Wildfire Prepared Fund; provides that the task force shall, among other things, identify high risk areas and develop standards for building codes, defensible space requirements and ordinances that will reduce the threat of wildfires; appropriates funds.
New Mexico	S 81	Property Insurance Program Association Board	Pending	Relates to state property insurance program association board.
New Mexico	S 284	Foster Children and Homeowners Insurance	Pending	Relates to foster children and homeowners’ insurance.
New York	A 211	Property and Casualty Insurance Policies	Pending	Requires property/casualty insurance policies to state the types and causes of damage that are covered by such policy; requires such information to be provided at or near the beginning of such policy.
New York	A 425	Coastal Market Assistance Program	Enacted	Increases the number of properties eligible for the Coastal Market Assistance Program; provides that the Joint Underwriting Association may adopt reasonable eligibility standards for participation in the program; provides that, at a minimum, properties eligible for the program shall be located within one mile of the shore, defined as salt water ocean, sound, bay, inlet, Lake Erie, Lake Ontario, the Saint Lawrence River, the Hudson River, or the Niagara River with distance measured from mean high water.
New York	A 893	Restrictions on Insurance Policies	Pending	Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.
New York	A 1260	Renters Insurance Alternative Forms of Identification	Pending	Relates to alternative forms of identification for renters’ insurance, including a municipal identification card, or other state or local government issued identification card, or a notarized copy of the rental lease signed by the property owner, the property management firm and the insured.
New York	A 1436	Catastrophe Savings Accounts	Pending	Establishes catastrophe savings accounts as a tax-free account to allow homeowners to save money to cover qualified catastrophe expenses.
New York	A 1753	Residential Structure Fire Prevention Act	Pending	Enacts the Residential Structure Fire Prevention Act; provides a tax credit to homeowners who remove cock loft fire hazards in their homes; provides an insurance discount for the installation of smoke detecting alarm devices in cock lofts; provides that the repair of cock lofts for the purpose of fire prevention and safety shall be qualifying expenditures under state housing programs.
New York	A 1763	Residential Home Safety and Loss Prevention Courses	Pending	Provides for the establishment of residential home safety and loss prevention courses certified by the superintendent of financial services; requires insurers to provide actuarially appropriate discounts on fire and homeowners insurance premiums to those homeowners who have completed a residential home safety and loss prevention course.
New York	A 2056	Purchase of Flood Insurance by Mortgagors	Enacted	Provides that no mortgagee shall require a mortgagor to whom the mortgagee makes, increases, extends, or renews any loan or line of credit secured by improved residential real property to purchase or pay for flood insurance on such residential real property at a coverage amount that exceeds the lesser of the replacement value of the residential real property or the outstanding principal mortgage balance as of the beginning of the year for which the policy shall be in effect.
New York	A 3373	Credit Against Income Tax	Pending	Allows an individual taxpayer to claim a credit against their income tax for excess premium paid during the applicable tax year for flood insurance providing coverage on the taxpayer's primary residence; authorizes the commissioner of taxation and finance to promulgate any necessary rules and regulations.
New York	A 3793	Insurance Premiums	Pending	Directs the Department of Financial Services to conduct a study examining the increasing costs of insurance premiums, the lack of availability of insurance coverage for losses from flooding, and the possibility of supporting a private flood insurance market in the state.
New York	A 3842	Insure Our Communities Act	Pending	Provides that the Department of Financial Services shall integrate the precautionary principle by, among other things, incorporating measures to anticipate, prevent, or minimize the effects of climate risk; requires insurers to annually file and report progress on plans to align their investment and underwriting activities with science based climate mitigation targets consistent with specified emissions limits and to certify that they do not invest or underwrite new fossil fuel projects.
New York	A 4188	Increases in Rates of Homeowners Insurance	Pending	Prohibits increases in rates of homeowners' insurance more than 25% per year except were agreed to in the policy.
New York	A 6807	Insurers Insuring Property in Floodplains	Pending	Requires insurers insuring property in floodplains to include damages done by wave action or windblown waves and make available to all insureds who reside in single family homes in a floodplain homeowners insurance covering such damage.
New York	S 186	Climate Protection Insurance Act	Pending	Amends the insurance law, the financial services law, and the banking law, in relation to establishing the Insure Our Communities Act; implements climate leadership and community protection act targets for insurers.
New York	S 364	Insurance Restrictions	Pending	Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.
New York	S 2670	Purchase of Flood Insurance	Pending	Makes clarifying changes regarding the purchase of flood insurance by mortgagors that exceeds certain limits upon a mortgagee’s request; amends the effectiveness thereof.
New York	S 5325	Department of Financial Services	Pending	Directs the Department of Financial Services to conduct a study examining the increasing costs of insurance premiums, the lack of availability of insurance coverage for losses from flooding, and the possibility of supporting a private flood insurance market in the state.
New York	S 5451	Credit Against Income Tax	Pending	Allows an individual taxpayer to claim a credit against their income tax for excess premium paid during the applicable tax year for flood insurance providing coverage on the taxpayer's primary residence; authorizes the commissioner of taxation and finance to promulgate any necessary rules and regulations.
New York	S 6309	Discrimination in Insurance	Pending	Establishes discrimination where insurers exclude, limit, restrict or reduce coverage of a publicly assisted housing accommodation due to lawful source of income.
New York	S 6356	Increases in Rates of Homeowners' Insurance	Pending	Prohibits increases in rates of homeowners' insurance more than 25% per year except were agreed to in the policy.
North Carolina	None
North Dakota	S 2374	Mandatory Arbitration Endorsements	Pending	Relates to mandatory arbitration endorsements for property insurance; manages repair programs, civil remedy actions against property insurers, notice of property insurance claims, and surplus lines insurance policies; relates to the presumption and delegation of control in insurance holding company systems; excepts to unauthorized insurance transactions; excepts for large commercial risks in fire, property, and casualty insurance rates, surplus lines insurance, risk retention groups.
N. Mariana Islands	Not available
Ohio	None
Oklahoma	H 1084	Insurance	Pending	Relates to insurance; provides definition; prohibits certain assignment of benefits; declares certain assignments null and void; provides exceptions; clarifies procedures and penalties for violation; clarifies un-prohibited activity; provides for codification.
Oregon	H 2563	Insurance Premium Increase Notification	Pending	Requires an insurer to provide to an insured a clear and reasonable explanation of the reasons for any increase in the premium amount for a qualified policy upon renewal of the qualified policy.
Oregon	H 3089	Wildfire Risk	Pending	Defines "wildfire risk" for the purpose of determining certain obligations of insurers related to homeowner insurance.
Oregon	S 72	Property Insurance	Pending	Requires the Department of Consumer and Business Services to study property insurance.
Oregon	S 85	Neighborhood Protection Cooperative Grant Program	Pending	Directs the state fire marshal to establish a neighborhood protection cooperative grant program.
Oregon	S 340	Fire Insurance Policies	Pending	Prohibits an insurer from canceling fire insurance policies, or raising policy premiums by a certain percentage, if an insured's property is located within the wildland-urban interface or the insured's primary employment or economic or business activity is farming or resource extraction.
Pennsylvania	H 589	Protection From Landslides	Pending	Establishes the Landslide and Sinkhole Insurance Program and the Landslide and Sinkhole Insurance Fund; establishes and provides for the powers and duties of the Landslide and Sinkhole Insurance Board; provides for duties of the auditor general; imposes a penalty; makes transfers.
Puerto Rico	None
Rhode Island	H 5333	Casualty Insurance Policy Cancellations and Renewals	Pending	Require homeowner's insurance providers to provide two months' notice before increasing any policy renewal premium more that specified percent; provides cap rate increases for policy holders that are specified years of age or older and meet certain low-or moderate-income limits; provides that a violation would constitute a deceptive trade practice punishable by a fine not to exceed $1,000.
Rhode Island	H 5549	Property and Casualty Insurance Guaranty Association	Pending	Provides a framework through which the department of business regulation can seek grants to fund a home hardening program and would increase the state guaranty fund limits on personal and commercial property to $1 million for first party covered claims.
Rhode Island	H 5585	Property Condominium Law	Pending	Requires associations to provide unit owners within 30-days’ notice of any increase in the deductible application to the association's policy ensuring that unit owners will have coverage relating to their responsibility for the master policy deductible application to their unit.
Rhode Island	H 5587	Property Condominium Law	Pending	References both the declaration and bylaws of a condominium association as possible sources of association insurance regulation for the condominiums and require additional insurance to protect unit owners, when necessary.
Rhode Island	S 15	Insurance Casualty Limitations on Policy Cancellations	Pending	Requires homeowners’ insurance providers to provide a specified number of months’ notice before increasing any policy renewal premium more than a specified percent; caps rate increases for policy holders that are of a specified age or older and meet certain low or moderate income limits; provides that a violation would constitute a deceptive trade practice punishable by a fine not to exceed a specified amount.
Rhode Island	S 507	Condominium Law on Notice of any Increase	Pending	Requires associations to provide unit owners within 30-days’ notice of any increase in the deductible application to the association's policy ensuring that unit owners will have coverage relating to their responsibility for the master policy deductible application to their unit.
Rhode Island	S 604	Seeking Grants to Fund a Home Hardening Program	Pending	Provides a framework through which the Department of Business Regulation can seek grants to fund a home hardening program and increases the state guaranty fund limits on personal and commercial property to $1 million for first party covered claims.
A. Samoa	Not available
South Carolina	H 3227	Insurance Coverage Requirement	Pending	Requires insurers to offer insurance coverage for loss or damage resulting from an earthquake to all policies issued in this state.
South Carolina	H 3791	Property and Casualty Insurance	Pending	(Concurrent Resolution) Requests the U.S. Congress address the critical issues facing property and casualty insurance markets across the nation.
South Carolina	S 260	Credit for Excess Premium Paid	Pending	Relates to the credit for excess premium paid for property and casualty insurance, to raise the maximum amount of the credit allowed for a tax year from $1,250 to $2,000.
South Dakota	None
Tennessee	H 1240	Insurance Agents and Policies	Pending	Requires an insurance company that is admitted to do business in this state and insures the tangible personal property of a policyholder who resides in this state to provide a discount to the policyholder through the policyholder's homeowners or renters insurance policy if the policyholder secures the policyholder's firearms in a firearm safe or uses a firearm safety device for the firearms and requests to receive the annual discount.
Tennessee	S 1243	Insurance Agents and Policies	Pending	Requires an insurance company that is admitted to do business in this state and insures the tangible personal property of a policyholder who resides in this state to provide a discount to the policyholder through the policyholder's homeowners or renters insurance policy if the policyholder secures the policyholder's firearms in a firearm safe or uses a firearm safety device for the firearms and requests to receive the annual discount.
Texas	H 345	Residential Property Insurance Policies	Pending	Relates to an appraisal process for disputed losses under residential property insurance policies.
Texas	H 854	Payment of Replacement Cost of Lost or Damaged Property	Pending	Relates to payment of the replacement cost of lost or damaged property under a homeowner's, renter's, or condominium owner's insurance policy.
Texas	H 2067	Cancellation or Nonrenewal of Insurance Policies	Pending	Relates to declination, cancellation, or nonrenewal of insurance policies.
Texas	H 2213	State Windstorm Insurance Association	Pending	Relates to the composition of the board of directors of the state Windstorm Insurance Association.
Texas	H 2473	Emergency Insurance Premium Relief Programs	Pending	Relates to emergency insurance premium relief programs for certain residential property insurance policies.
Texas	H 2515	Prohibiting Insurers From Requiring Bundling	Pending	Prohibits insurers from requiring the bundling of personal automobile or residential property insurance policies.
Texas	H 2517	State Windstorm Insurance Association	Pending	Relates to the applicability of premium and maintenance taxes to state Windstorm Insurance Association and state FAIR Plan Association.
Texas	H 2518	State Windstorm Insurance Association Policies	Pending	Relates to the use of installment premium payment plans on the state Windstorm Insurance Association policies.
Texas	H 2841	Texas Windstorm Insurance Association	Pending	Relates to state Windstorm Insurance Association underwriting standards for new structures constructed in accordance with certain construction standards.
Texas	H 3631	Credit Against Required Recapture Payments	Pending	Relates to a credit against required recapture payments for certain school districts for the cost of windstorm and hail insurance under the public school finance system.
Texas	H 3689	State Windstorm Insurance Association	Pending	Relates to funding of excess losses and operating expenses of the state Windstorm Insurance Association; authorizes an assessment; authorizes a surcharge.
Texas	H 4062	Property and Casualty Insurance	Pending	Relates to the amount of a large risk that is exempt from certain property and casualty insurance policy form requirements.
Texas	H 4532	Endorsement for Roof Replacements	Pending	Relates to an endorsement for roof replacements to comply with certain standards for residential property insurance.
Texas	H 4570	Propertye Insurance Policies Appraisal Procedure	Pending	Relates to an appraisal process for disputed losses under personal automobile or residential property insurance policies.
Texas	H 5168	State Windstorm Insurance Association Headquarters	Pending	Relates to the location of the state Windstorm Insurance Association headquarters.
Texas	H 5519	Rates for Residential Property Insurance	Pending	Relates to rates for residential property insurance and personal automobile insurance.
Texas	H 5586	State Windstorm Insurance Association	Pending	Relates to certain meetings of the board of directors of the state Windstorm Insurance Association.
Texas	H 5587	Deadline of a Manual Rate Filing	Pending	Relates to the deadline of a manual rate filing by the state Windstorm Insurance Association.
Texas	S 213	Insurance Bundling	Pending	Relates to prohibiting insurers from requiring the bundling of personal lines property or casualty insurance policies.
Texas	S 458	Automobile or Residential Property Insurance Policies	Pending	Relates to an appraisal process for disputed losses under personal automobile or residential property insurance policies.
Texas	S 593	Personal Automobile or Residential Property Insurance	Pending	Relates to personal automobile or residential property insurance premium increases for claims subject to sovereign, governmental, or official immunity; provides that an insurer may not increase the premium on a personal automobile or residential property insurance policy solely as a result of a claim made under the policy for damage or injury sustained as a result of an action by a governmental body, officer, or employee who has sovereign, governmental, or official immunity from suit or liability.
Texas	S 1006	Insurance Policy Declination or Cancellation	Pending	Relates to declination, cancellation, or nonrenewal of insurance policies.
Texas	S 1082	Nonrenewal of Residential and Personal Insurance	Pending	Relates to declination and nonrenewal of residential and personal automobile insurance policies based on previous claims.
Texas	S 1635	School Windstorm and Hail Insurance Cost	Pending	Relates to a credit against required recapture payments for certain school districts for the cost of windstorm and hail insurance under the public school finance system.
Texas	S 1643	Casualty Insurance Rate Increases or Decreases	Pending	Relates to prior approval of certain property and casualty insurance rate increases or decreases.
Texas	S 2484	Availability of Claims Contact Information	Pending	Relates to availability of claims contact information for personal and commercial property and casualty insurers.
Texas	S 2530	Texas Windstorm Insurance Association	Pending	Relates to the state Windstorm Insurance Association.
Texas	S 2571	State Windstorm Insurance Association	Pending	Relates to funding of excess losses and operating expenses of the state Windstorm Insurance Association; authorizes an assessment.
Texas	S 2712	Exempt From Certain Property and Casualty Insurance	Pending	Relates to the amount of a large risk that is exempt from certain property and casualty insurance policy form requirements.
Utah	H 48	Wildland Urban Interface Modifications	Enacted	Addresses efforts to oversee wildfire risks associated with wildland urban interface property; requires counties to take certain actions related to wildland urban interface property, including assessing a fee; directs the fee to be retained by a county and deposited into the Wildland-urban Interface Prevention, Preparedness, and Mitigation Fund; addresses insuring wildland-urban interface property; imposes notice requirements related to insuring wildland urban interface property.
Vermont	H 397	Emergency Management and Flood Response	Pending	Relates to miscellaneous amendments to the statutes governing emergency management and flood response.
Vermont	H 466	Voluntary Buy Out Program	Pending	Relates to flood response and the creation of a voluntary buy-out program.
Virginia	H 1628	Fire Insurance	Enacted	Provides that no person insured under a fire insurance policy or a fire insurance policy in combination with other coverages shall assign or otherwise transfer, in whole or in part, to any other person the duties, rights, or benefits of the insured under the policy arising from a claim or covered loss without written consent of the insurer; provides for mutual assessment property and casualty insurers and mutual insurers and associations organized under the laws of the commonwealth.
Virginia	H 1704	Resale Disclosure Act	Enacted	Provides that a property owners association, condominium association, or a council of co-owners shall include a completed resale certificate form for a contract for resale, developed by the common interest community board, with supporting documentation, including a statement describing any insurance coverage provided by the association and indicating that the governing documents may make an owner responsible for payment of all or part of the deductible when making a claim against such insurance.
Virginia	S 808	Resale Disclosure Act	Enacted	Relates to Resale Disclosure Act; relates to resale certificate; relates to responsibility for payment of insurance deductible; requires the resale certificate form, developed by the common interest community board, to include a statement indicating that the governing documents of an association may make an owner responsible for payment of all or part of the deductible when making a claim against any insurance provided by the association for the benefit of the owners or insurance coverage recommended.
Virginia	S 1154	Fire Insurance	Enacted	Relates to fire insurance; relates to assignment of claims prohibition; provides that no person insured under a fire insurance policy or a fire insurance policy in combination with other coverages shall assign or otherwise transfer, in whole or in part, to any other person the duties, rights, or benefits of the insured under the policy arising from a claim or covered loss without written consent of the insurer.
U.S. Virgin Islands	None
Washington	H 1539	Wildfire Protection and Mitigation	Pending	Addresses wildfire protection and mitigation.
Washington	H 1563	Prescribed Fire Claims Fund Pilot Program	Pending	Establishes a prescribed fire claims fund pilot program.
West Virginia	H 2858	National Flood Insurance Program	Pending	Relates to a counties ability to regulate floodplains under National Flood Insurance Program guidelines.
West Virginia	H 3088	Homeowners Insurance Policies	Pending	Increases to minimum of specified amount as the amount recoverable by fire companies from homeowners’ insurance policies for response to fire call.
West Virginia	H 3496	Property and Casualty Insurance Policies	Pending	Relates to property and casualty insurance policies.
West Virginia	S 497	Home Insurers from Canceling Policy for Isolated Event	Pending	Prevents home insurers from canceling policy for isolated event.
Wisconsin	None
Wyoming	None

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