---
title: California Enacts Assembly Bill 2038
description: California's Assembly Bill 2038 requiring residential insurers to offer policy renewals for up to three years after a disaster, enhancing protections for homeowners.
image: https://aaisviews.aaisonline.com/hubfs/Compliance%20Alert/GLC%20Compliance%20Blog%20Features%20v2%20-%20CA.jpg
---

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## Compliance Alerts

## [California Enacts Assembly Bill 2038](https://aaisviews.aaisonline.com/compliance-alerts/california-enacts-assembly-bill-2038)

 Oct 27, 2026 / by [AAIS](https://aaisviews.aaisonline.com/compliance-alerts/author/aais)

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California has enacted [Assembly Bill 2038,](https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB2038) extending the time frames involving the renewal, cancellation, or nonrenewal of certain residential property policies after a disaster.

Among other provisions, in the case of a total loss of a primary insured structure caused by a disaster, residential insurers must offer renewal of the policy for at least the next three annual renewal periods, but no less than 36 months of coverage from the date of the loss. Conditions for the renewed policy are specified in the bill. Additionally, insurers shall not cancel or refuse to renew policies for properties located in any ZIP Code within or adjacent to the fire perimeter for two years after the declaration of a state of emergency solely due to the structure’s proximity to a wildfire.

 

Please see [Assembly Bill 2038](https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB2038) for more information.

 Tags: [Compliance](https://aaisviews.aaisonline.com/compliance-alerts/topic/compliance), [California](https://aaisviews.aaisonline.com/compliance-alerts/topic/california)

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