republic-os/legislation/us/states/ca/20192020/ab-3012.md

---
type: "Bill"
title: "Residential property insurance."
description: "Existing law generally regulates classes of insurance, including fire and property insurance. Existing law requires a residential property insurer to allow an insured that has suffered a loss relating to a declared state of emergency to combine the policy limits for primary dwelling and other structures, and to use the combined amount to rebuild or replace the dwelling, as specified. Existing law requires a policy to provide coverage for additional living expenses for a period of no less than 24 months from the inception of the loss, for a loss relating to a state of emergency. 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: "AB 3012"
citation: "California AB 3012 (20192020)"
classification: ["bill"]
subjects: ["Residential property insurance."]
status: "enacted"
primary_sponsors: ["Wood"]
version_count: 9
action_count: 22
vote_count: 5
first_action: "2020-02-21"
last_action: "2020-09-29"
source: "openstates"
source_identifier: "ocd-bill/5c1c03cc-d875-4491-a12c-d9130f5e2a3c"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB3012"
source_hash: "7ac5eb7ba857162b97661ed5bbabbc2bd39e5015cd08569728365083f7db2e9c"
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 AB 3012 (20192020) — Residential property insurance.

Existing law generally regulates classes of insurance, including fire and property insurance. Existing law requires a residential property insurer to allow an insured that has suffered a loss relating to a declared state of emergency to combine the policy limits for primary dwelling and other structures, and to use the combined amount to rebuild or replace the dwelling, as specified. Existing law requires a policy to provide coverage for additional living expenses for a period of no less than 24 months from the inception of the loss, for a loss relating to a state of emergency. 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. **02/21/20 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301299INT)
2. **05/04/20 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301298AMD)
3. **05/11/20 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301297AMD)
4. **07/23/20 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301296AMD)
5. **07/29/20 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301295AMD)
6. **08/05/20 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301294AMD)
7. **09/29/20 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301292CHP)
8. **AB3012** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB3012)
9. **09/01/20 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201920200AB3012&version=20190AB301293ENR)

## Votes

- 3rd Reading AB3012 Wood et al. By Dodd — **30–0** (pass) · upper
- AB 3012 Wood Concurrence in Senate Amendments — **71–0** (pass) · lower
- Do pass as amended. — **13–0** (pass) · lower
- AB 3012 Wood Assembly Third Reading — **72–0** (pass) · lower
- Do pass as amended — **12–0** (pass) · upper

## Sponsors

- Wood — primary (person)
- Daly — author (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2020-02-21** Introduced. To print. `introduction`
- **2020-02-22** From printer. May be heard in committee March 23.
- **2020-02-24** Read first time. `reading-1`
- **2020-03-05** Referred to Com. on INS. `referral-committee`
- **2020-05-04** From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended. `reading-1, reading-2, amendment-passage, amendment-introduction`
- **2020-05-05** Re-referred to Com. on INS. `referral-committee`
- **2020-05-07** From committee: Amend, and do pass as amended. (Ayes 13. Noes 0.) (May 7). `amendment-passage, committee-passage, amendment-introduction`
- **2020-05-11** Read second time and amended. Ordered returned to second reading. `amendment-passage, reading-1, reading-2`
- **2020-05-12** Read second time. Ordered to third reading. `reading-1, reading-2`
- **2020-06-10** Read third time. Passed. Ordered to the Senate. (Ayes 72. Noes 0. Page 4749.) `passage, reading-3, reading-1`
- **2020-06-11** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2020-07-01** Referred to Com. on INS. `referral-committee`
- **2020-07-23** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS. `reading-1, reading-2, amendment-passage, referral-committee, amendment-introduction`
- **2020-07-29** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS. `reading-1, reading-2, amendment-passage, referral-committee, amendment-introduction`
- **2020-08-04** From committee: Amend, and do pass as amended. (Ayes 12. Noes 0.) (August 4). `amendment-passage, committee-passage, amendment-introduction`
- **2020-08-05** Read second time and amended. Ordered to third reading. `amendment-passage, reading-1, reading-2`
- **2020-08-27** Read third time. Passed. Ordered to the Assembly. (Ayes 30. Noes 0. Page 4351.). `passage, reading-3, reading-1`
- **2020-08-27** In Assembly. Concurrence in Senate amendments pending.
- **2020-08-30** Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 71. Noes 0. Page 5344.). `amendment-passage, committee-passage-favorable`
- **2020-09-11** Enrolled and presented to the Governor at 3 p.m.
- **2020-09-29** Approved by the Governor. `executive-signature`
- **2020-09-29** Chaptered by Secretary of State - Chapter 258, Statutes of 2020.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/5c1c03cc-d875-4491-a12c-d9130f5e2a3c`. Confidence: reported (aggregated from official California legislature records).