Today the insurance department issued a moratorium on cancellation or nonrenewal of residential properties that are either within or adjacent to any ZIP code within the fire perimeter. The moratorium extends for one year after the declared state of emergency as defined in Section *558 of the Government Code, based on the fact that the structure is in an area where a wildfire has occurred.
A policy of residential property insurance is defined as a policy insuring individually owned residential structures of not more than 4 dwelling units, individually owned condominium units, or individually owned mobile homes, including their contents, located in California and use exclusively for residential purposes. Also included is a tenant's policy insuring personal contents of a residential unit located in California.
Likewise, no admitted or non-admitted insurer shall cancel or nonrenew any homeowners, condo unit owners, mobile homeowners, or residential renters policy due to wildfire risk that are located in the ZIP codes listed in the state bulletin.
The dates of the governor's state of emergency declarations and the affected ZIP codes can be found in the bulletin located here: Mandatory Moratorium on Cancellations and Non-Renewals of Policies of Residential Property Insurance After the Declaration of a State of Emergency.