Fighting to Keep Homeowners Insured

Hundreds of thousands of Californians have faced non-renewal notices and skyrocketing premiums, including thousands of families in our community. That’s why Rebecca has made stabilizing California's homeowners insurance market a top priority. She has heard directly from constituents who have been dropped by their carriers and forced onto the FAIR Plan — the state’s insurer of last resort — taking action to help families navigate the crisis and fighting for the comprehensive reforms Californians need.

Rebecca has worked to modernize the FAIR Plan so it serves as a true safety net for homeowners who have no other options, pressed the Insurance Commissioner to move quickly on market stabilization reforms, and introduced legislation to prevent families from losing coverage due to administrative failures. She has also fought to ensure that as insurers return to the market, they meet their obligation to cover high-risk communities.

Key Accomplishments:

• FAIR Plan Modernization (AB 290) – Passed with strong bipartisan support, required the California FAIR Plan to establish automatic payment systems and provide a grace period so homeowners don't lose wildfire coverage over a missed check

• Pressing for Insurance Market Reform – Advocated for the Insurance Commissioner's Sustainable Insurance Strategy, which streamlines rate approvals, allows forward-looking catastrophe modeling, and requires insurers to write at least 85% of their statewide business in high-risk communities in exchange for rate increases

• Creating Consumer Resources – Created a dedicated homeowners insurance resource hub to help constituents understand their options, including FAIR Plan coverage, Difference in Conditions policies, and surplus lines markets

Rebecca remains committed to pushing for the comprehensive reforms needed to bring private insurers back to California while protecting homeowners from being priced out of coverage or left without options in the communities they've built their lives in.