Nearly 50,000 Policyholders Near California's Dove Fire Get a One-Year Shield: Insurers Cannot Cancel or Refuse Renewal
California Insurance Commissioner Ricardo Lara announced on November 10 that nearly 50,000 policyholders in and around the Dove Fire will receive one year of protection: insurers may not cancel or refuse to renew their policies. The order follows Governor Newsom's emergency declaration for the Dove Fire.
The protection covers policyholders within the fire perimeter and in adjoining ZIP codes in Tuolumne, Stanislaus and Calaveras counties, whether or not their homes were damaged in the fire. The Department of Insurance says the moratorium keeps residents from being pushed out of the market over a fire that was not their fault while they rebuild and shop for new coverage.
The order also extends protection to certain commercial policies with annual premiums under $25,000, including homeowners associations, apartment buildings and student and senior housing, under the Business Insurance Protection Act (SB 547, Chapter 544, Statutes of 2025), which took effect on January 1, 2026.
According to the department, post-fire moratoria protected more than 1.2 million homeowners in 2025 and more than 4 million since 2019. Lara added that 12 insurer groups, including Farmers, Mercury, the Auto Club of Southern California, CSAA, USAA, Liberty Mutual and Travelers, are staying in or growing their California business. Residents with insurance questions can call the department's hotline at 800-927-4357.
(Source: California Department of Insurance)
Source: California Department of Insurance
Published by GSM · USA (original Chinese edition)
Photo: 图：加州消防局的直升机在演练中投水（资料图）。Wikimedia Commons 图片（NASA/Joel Kowsky，公共领域）。 / Photo: A CAL FIRE helicopter makes a water drop during training (file photo). Wikimedia Commons image (NASA/Joel Kowsky, public domain).
