--- type: "Bill" title: "Residential property insurance: state of emergency." description: "Existing law generally regulates classes of insurance, including residential property insurance. Existing law requires coverage for additional living expenses incurred due to a covered loss relating to a state of emergency to be for a period of no less than 24 months. Existing law prohibits, in the event of a total loss of the insured structure, a policy from limiting or denying payment of the building code upgrade cost or the replacement cost on the basis that the insured has decided to rebuild at a new location or to purchase an already built home at a new location." jurisdiction: "us/states/ca" legislature: "California Legislature" session: "20192020" identifier: "SB 872" citation: "California SB 872 (20192020)" classification: ["bill"] subjects: ["Residential property insurance: state of emergency."] status: "enacted" primary_sponsors: ["Dodd"] version_count: 7 action_count: 22 vote_count: 5 first_action: "2020-01-21" last_action: "2020-09-29" source: "openstates" source_identifier: "ocd-bill/6c0920cd-262b-49c1-8462-7527a78592ef" source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB872" source_hash: "612ec461a76d19442d44561e80a917fd626cac1cbb6fb4abe3d2920439bca6cf" vintage: "2026-07-01" source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump" retrieved_at: "2026-07-06" confidence: "reported" tags: ["legislation", "bill", "us-ca"] --- # California SB 872 (20192020) — Residential property insurance: state of emergency. Existing law generally regulates classes of insurance, including residential property insurance. Existing law requires coverage for additional living expenses incurred due to a covered loss relating to a state of emergency to be for a period of no less than 24 months. Existing law prohibits, in the event of a total loss of the insured structure, a policy from limiting or denying payment of the building code upgrade cost or the replacement cost on the basis that the insured has decided to rebuild at a new location or to purchase an already built home at a new location. ## Version chain The bill's text revisions, in order — the diff chain from filing to enrollment. 1. **01/21/20 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200SB872&version=20190SB87299INT) 2. **07/27/20 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200SB872&version=20190SB87298AMD) 3. **08/05/20 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200SB872&version=20190SB87297AMD) 4. **08/12/20 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200SB872&version=20190SB87296AMD) 5. **09/29/20 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200SB872&version=20190SB87294CHP) 6. **SB872** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB872) 7. **09/01/20 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200SB872&version=20190SB87295ENR) ## Votes - Unfinished Business SB872 Dodd et al. Concurrence — **33–0** (pass) · upper - Do pass as amended. — **13–0** (pass) · lower - SB 872 Dodd Senate Third Reading By Wood — **76–0** (pass) · lower - 3rd Reading SB872 Dodd et al. — **29–3** (pass) · upper - Do pass — **9–2** (pass) · upper ## Sponsors - Dodd — primary (person) - McGuire — coauthor (person) - Wood — coauthor (person) ## Timeline The legislative action history — every referral, reading, and vote. - **2020-01-21** Introduced. Read first time. To Com. on RLS. for assignment. To print. `introduction, reading-1` - **2020-01-22** From printer. May be acted upon on or after February 21. - **2020-01-29** Referred to Com. on INS. `referral-committee` - **2020-05-11** Set for hearing May 14. - **2020-05-14** From committee: Do pass. (Ayes 9. Noes 2. Page 3540.) (May 14). `committee-passage-favorable, committee-passage` - **2020-05-18** Read second time. Ordered to third reading. `reading-1, reading-2` - **2020-06-22** Read third time. Passed. (Ayes 29. Noes 3. Page 3793.) Ordered to the Assembly. `passage, reading-3, reading-1` - **2020-06-22** In Assembly. Read first time. Held at Desk. `reading-1` - **2020-06-29** Referred to Com. on INS. `referral-committee` - **2020-07-27** From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS. `reading-1, reading-2, amendment-passage, committee-passage, referral-committee` - **2020-07-27** July 29 hearing postponed by committee. - **2020-08-05** From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS. `reading-1, reading-2, amendment-passage, committee-passage, referral-committee` - **2020-08-11** From committee: Do pass as amended. (Ayes 13. Noes 0.) (August 11). `committee-passage-favorable, committee-passage, amendment-passage` - **2020-08-12** Read second time and amended. Ordered to second reading. `amendment-passage, reading-1, reading-2` - **2020-08-13** Coauthors revised. - **2020-08-13** Read second time. Ordered to third reading. `reading-1, reading-2` - **2020-08-24** Read third time. Passed. (Ayes 76. Noes 0. Page 5172.) Ordered to the Senate. `passage, reading-3, reading-1` - **2020-08-24** In Senate. Concurrence in Assembly amendments pending. - **2020-08-28** Assembly amendments concurred in. (Ayes 33. Noes 0. Page 4396.) Ordered to engrossing and enrolling. `amendment-passage, committee-passage-favorable` - **2020-09-04** Enrolled and presented to the Governor at 4:30 p.m. - **2020-09-29** Approved by the Governor. `executive-signature` - **2020-09-29** Chaptered by Secretary of State. Chapter 261, Statutes of 2020. ## Source OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/6c0920cd-262b-49c1-8462-7527a78592ef`. Confidence: reported (aggregated from official California legislature records).