SB-525
Housing & Homelessness

California FAIR Plan: manufactured homes.

Engrossed
CA
2025-2026 Regular Session
0
0
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 Insurance
Next Step
Assembly Committee
Referred to the Assembly Standing Committee on Insurance
Hearing has not been scheduled yet
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
James GallagherR
Assemblymember
Committee Member
Not Contacted
Not Contacted
Profile
Mike GipsonD
Assemblymember
Committee Member
Not Contacted
Not Contacted
Profile
Phillip ChenR
Assemblymember
Committee Member
Not Contacted
Not Contacted
Profile
Marc BermanD
Assemblymember
Committee Member
Not Contacted
Not Contacted
0 of 17 row(s) selected.
Page 1 of 4
Select All Legislators
Profile
Brian JonesR
Senator
Bill Author
Profile
James GallagherR
Assemblymember
Committee Member
Profile
Mike GipsonD
Assemblymember
Committee Member
Profile
Phillip ChenR
Assemblymember
Committee Member
Profile
Marc BermanD
Assemblymember
Committee Member
Profile
Cottie Petrie-NorrisD
Assemblymember
Committee Member
Profile
Lisa CalderonD
Assemblymember
Committee Member
Profile
David AlvarezD
Assemblymember
Committee Member
Profile
Dawn AddisD
Assemblymember
Committee Member
Profile
Liz OrtegaD
Assemblymember
Committee Member
Profile
Stephanie NguyenD
Assemblymember
Committee Member
Profile
Avelino ValenciaD
Assemblymember
Committee Member
Profile
Greg WallisR
Assemblymember
Committee Member
Profile
Anamarie FariasD
Assemblymember
Committee Member
Profile
John HarabedianD
Assemblymember
Committee Member
Profile
Michelle RodriguezD
Assemblymember
Committee Member
Profile
David TangipaR
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

June 2, 2025
PASS
Senate Floor
Vote on Senate Floor
AyesNoesNVRTotalResult
370340PASS

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 Insurance
Next Step
Assembly Committee
Referred to the Assembly Standing Committee on Insurance
Hearing has not been scheduled yet
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

June 2, 2025
PASS
Senate Floor
Vote on Senate Floor
AyesNoesNVRTotalResult
370340PASS

Contacts

Profile
Brian JonesR
Senator
Bill Author
Not Contacted
Not Contacted
Profile
James GallagherR
Assemblymember
Committee Member
Not Contacted
Not Contacted
Profile
Mike GipsonD
Assemblymember
Committee Member
Not Contacted
Not Contacted
Profile
Phillip ChenR
Assemblymember
Committee Member
Not Contacted
Not Contacted
Profile
Marc BermanD
Assemblymember
Committee Member
Not Contacted
Not Contacted
0 of 17 row(s) selected.
Page 1 of 4
Select All Legislators
Profile
Brian JonesR
Senator
Bill Author
Profile
James GallagherR
Assemblymember
Committee Member
Profile
Mike GipsonD
Assemblymember
Committee Member
Profile
Phillip ChenR
Assemblymember
Committee Member
Profile
Marc BermanD
Assemblymember
Committee Member
Profile
Cottie Petrie-NorrisD
Assemblymember
Committee Member
Profile
Lisa CalderonD
Assemblymember
Committee Member
Profile
David AlvarezD
Assemblymember
Committee Member
Profile
Dawn AddisD
Assemblymember
Committee Member
Profile
Liz OrtegaD
Assemblymember
Committee Member
Profile
Stephanie NguyenD
Assemblymember
Committee Member
Profile
Avelino ValenciaD
Assemblymember
Committee Member
Profile
Greg WallisR
Assemblymember
Committee Member
Profile
Anamarie FariasD
Assemblymember
Committee Member
Profile
John HarabedianD
Assemblymember
Committee Member
Profile
Michelle RodriguezD
Assemblymember
Committee Member
Profile
David TangipaR
Assemblymember
Committee Member