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    SB-525
    Housing & Homelessness

    California FAIR Plan: manufactured homes.

    Engrossed
    CA
    ∙
    2025-2026 Regular Session
    0
    0
    Track
    Track

    Key Takeaways

    • Expands California FAIR Plan insurance coverage to include manufactured homes and mobile homes.
    • Requires insurers to offer manufactured home coverage under the same terms as traditional homes.
    • Broadens access to basic property insurance for previously excluded residential properties.

    Summary

    Senator Jones's proposal to expand California FAIR Plan coverage would require the state's property insurance program of last resort to cover manufactured homes and mobilehomes under the same terms and conditions as traditional residential dwellings. The measure amends the Insurance Code's definition of "basic property insurance" to explicitly include these housing types.

    The California FAIR Plan Association currently operates as a joint reinsurance association formed by licensed insurers to provide basic property insurance access and equitably apportion premiums among participating companies. The association offers coverage in designated geographic areas for perils including fire, vandalism, and malicious mischief. Under the proposed changes, owners of manufactured homes and mobilehomes would gain access to this insurance framework, which serves as a safety net when coverage is otherwise unavailable in the private market.

    The bill maintains existing provisions regarding earthquake coverage through the FAIR Plan, requiring that such protection align with current statutory requirements for policy terms and renewal notices. The measure's definitions of manufactured homes and mobilehomes mirror those established in the state Health and Safety Code, ensuring consistency across California law.

    Key Dates

    Next Step
    Referred to the Assembly Standing Committee on Appropriations
    Next Step
    Assembly Committee
    Referred to the Assembly Standing Committee on Appropriations
    Hearing has not been scheduled yet
    Assembly Insurance Hearing
    Assembly Committee
    Assembly Insurance Hearing
    Do pass and be re-referred to the Committee on [Appropriations]
    Vote on Senate Floor
    Senate Floor
    Vote on Senate Floor
    Senate 3rd Reading SB525 Jones
    Senate Insurance Hearing
    Senate Committee
    Senate Insurance Hearing
    Do pass
    Introduced
    Senate Floor
    Introduced
    Introduced. Read first time. To Com. on RLS. for assignment. To print.

    Contacts

    Profile
    Brian JonesR
    Senator
    Bill Author
    Not Contacted
    Not Contacted
    Profile
    Joaquin ArambulaD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Buffy WicksD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Lisa CalderonD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Mike FongD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    0 of 16 row(s) selected.
    Page 1 of 4
    Select All Legislators
    Profile
    Brian JonesR
    Senator
    Bill Author
    Profile
    Joaquin ArambulaD
    Assemblymember
    Committee Member
    Profile
    Buffy WicksD
    Assemblymember
    Committee Member
    Profile
    Lisa CalderonD
    Assemblymember
    Committee Member
    Profile
    Mike FongD
    Assemblymember
    Committee Member
    Profile
    Diane DixonR
    Assemblymember
    Committee Member
    Profile
    Gregg HartD
    Assemblymember
    Committee Member
    Profile
    Blanca PachecoD
    Assemblymember
    Committee Member
    Profile
    Gail PellerinD
    Assemblymember
    Committee Member
    Profile
    Kate SanchezR
    Assemblymember
    Committee Member
    Profile
    Tri TaR
    Assemblymember
    Committee Member
    Profile
    Jessica CalozaD
    Assemblymember
    Committee Member
    Profile
    Mark GonzalezD
    Assemblymember
    Committee Member
    Profile
    Heather HadwickR
    Assemblymember
    Committee Member
    Profile
    Jose SolacheD
    Assemblymember
    Committee Member
    Profile
    Sade ElhawaryD
    Assemblymember
    Committee Member

    Get Involved

    Act Now!

    Email the authors or create an email template to send to all relevant legislators.

    Introduced By

    Brian Jones
    Brian JonesR
    California State Senator
    40% progression
    Bill has passed all readings in its first house and is ready to move to the other house (6/2/2025)

    Latest Voting History

    View History
    July 9, 2025
    PASS
    Assembly Committee
    Assembly Insurance Hearing
    AyesNoesNVRTotalResult
    150217PASS

    Key Takeaways

    • Expands California FAIR Plan insurance coverage to include manufactured homes and mobile homes.
    • Requires insurers to offer manufactured home coverage under the same terms as traditional homes.
    • Broadens access to basic property insurance for previously excluded residential properties.

    Get Involved

    Act Now!

    Email the authors or create an email template to send to all relevant legislators.

    Introduced By

    Brian Jones
    Brian JonesR
    California State Senator

    Summary

    Senator Jones's proposal to expand California FAIR Plan coverage would require the state's property insurance program of last resort to cover manufactured homes and mobilehomes under the same terms and conditions as traditional residential dwellings. The measure amends the Insurance Code's definition of "basic property insurance" to explicitly include these housing types.

    The California FAIR Plan Association currently operates as a joint reinsurance association formed by licensed insurers to provide basic property insurance access and equitably apportion premiums among participating companies. The association offers coverage in designated geographic areas for perils including fire, vandalism, and malicious mischief. Under the proposed changes, owners of manufactured homes and mobilehomes would gain access to this insurance framework, which serves as a safety net when coverage is otherwise unavailable in the private market.

    The bill maintains existing provisions regarding earthquake coverage through the FAIR Plan, requiring that such protection align with current statutory requirements for policy terms and renewal notices. The measure's definitions of manufactured homes and mobilehomes mirror those established in the state Health and Safety Code, ensuring consistency across California law.

    40% progression
    Bill has passed all readings in its first house and is ready to move to the other house (6/2/2025)

    Key Dates

    Next Step
    Referred to the Assembly Standing Committee on Appropriations
    Next Step
    Assembly Committee
    Referred to the Assembly Standing Committee on Appropriations
    Hearing has not been scheduled yet
    Assembly Insurance Hearing
    Assembly Committee
    Assembly Insurance Hearing
    Do pass and be re-referred to the Committee on [Appropriations]
    Vote on Senate Floor
    Senate Floor
    Vote on Senate Floor
    Senate 3rd Reading SB525 Jones
    Senate Insurance Hearing
    Senate Committee
    Senate Insurance Hearing
    Do pass
    Introduced
    Senate Floor
    Introduced
    Introduced. Read first time. To Com. on RLS. for assignment. To print.

    Latest Voting History

    View History
    July 9, 2025
    PASS
    Assembly Committee
    Assembly Insurance Hearing
    AyesNoesNVRTotalResult
    150217PASS

    Contacts

    Profile
    Brian JonesR
    Senator
    Bill Author
    Not Contacted
    Not Contacted
    Profile
    Joaquin ArambulaD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Buffy WicksD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Lisa CalderonD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Mike FongD
    Assemblymember
    Committee Member
    Not Contacted
    Not Contacted
    0 of 16 row(s) selected.
    Page 1 of 4
    Select All Legislators
    Profile
    Brian JonesR
    Senator
    Bill Author
    Profile
    Joaquin ArambulaD
    Assemblymember
    Committee Member
    Profile
    Buffy WicksD
    Assemblymember
    Committee Member
    Profile
    Lisa CalderonD
    Assemblymember
    Committee Member
    Profile
    Mike FongD
    Assemblymember
    Committee Member
    Profile
    Diane DixonR
    Assemblymember
    Committee Member
    Profile
    Gregg HartD
    Assemblymember
    Committee Member
    Profile
    Blanca PachecoD
    Assemblymember
    Committee Member
    Profile
    Gail PellerinD
    Assemblymember
    Committee Member
    Profile
    Kate SanchezR
    Assemblymember
    Committee Member
    Profile
    Tri TaR
    Assemblymember
    Committee Member
    Profile
    Jessica CalozaD
    Assemblymember
    Committee Member
    Profile
    Mark GonzalezD
    Assemblymember
    Committee Member
    Profile
    Heather HadwickR
    Assemblymember
    Committee Member
    Profile
    Jose SolacheD
    Assemblymember
    Committee Member
    Profile
    Sade ElhawaryD
    Assemblymember
    Committee Member