republic-os/legislation/us/states/ca/20192020/sb-872.md

---
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).