California Orders One-Year Coverage Protection for About 50,000 Policyholders in Dove Fire Area
The California Department of Insurance announced on November 10 that Commissioner Ricardo Lara has ordered insurers to preserve residential property coverage for approximately 50,000 policyholders affected by the Dove Fire. For one year from the date of Governor Gavin Newsom's emergency declaration for the fire, policies in the fire perimeter and adjoining ZIP Codes may not be cancelled or non-renewed, regardless of whether the home was damaged. The affected area covers Tuolumne, Stanislaus and Calaveras counties.
Policyholders can check on the department's website whether their ZIP Code is included, or call the consumer hotline at 800-927-4357. The department says the one-year shield gives residents time to rebuild and shop for new coverage without losing protection.
For the first time this year, the protection also extends to certain commercial policies with annual premiums under $25,000, covering homeowners associations, apartment buildings, student housing and senior living communities. The expansion comes from the Business Insurance Protection Act, SB 547, which took effect on January 1, 2026.
According to the department, similar post-fire moratoriums protected more than 1.2 million homeowners in 2025, and more than 4 million policyholders have been protected since the law was enacted in 2019.
The department also said that under its Sustainable Insurance Strategy, 12 insurance groups have committed to staying in or growing in the California market.
(Source: California Department of Insurance)
Source: California Department of Insurance
Published by GSM · USA (original Chinese edition)
Photo: 图片来源：Wikimedia Commons，Durova 摄「Firehome5」（公共领域），图中为2007年 Witch Creek Fire 过后、加州圣迭戈县一处被野火烧毁的乡村住宅区（资料图） Image: Wikimedia Commons, "Firehome5" by Durova (public domain), showing a wildfire-destroyed rural property in San Diego County, California, after the 2007 Witch Creek Fire (file photo)
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