State-mandated wildfire-related insurance premium discount for FORTIFIED homes

How it works

The enacted legislation requires property insurance companies to provide a premium discount or rate reduction for properties certified as compliant with applicable FORTIFIED Home or FORTIFIED multifamily construction standards, under the conditions in the act.

The same act also requires insurers to offer an optional rider, endorsement, or supplemental policy provision to upgrade non-FORTIFIED single-family dwellings under certain circumstances.

What the money covers

The benefit is an insurance premium discount, not a direct cash payment. The rider/endorsement provision is intended to help fund upgrades to a non-FORTIFIED single-family dwelling.

Amounts and matching

The bill summary says the Insurance Commissioner may promulgate regulations to establish standard discount amounts, targets, or benchmarks for coverage. The page excerpt does not state the actual discount amount.

Timing and deadlines

The bill summary says Sections 2 and 3 apply to insurance policies and contracts issued or renewed on or after March 1, 2026.

Notes

This is a statewide insurance mandate, not a grant program, and the page excerpt does not list the full regulatory details that insurers must follow.