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The plan to save California’s home insurance market, explained [Video]

California Insurance Commissioner Ricardo Lara says real change is coming in mid-2025.

SACRAMENTO, Calif. —

California Insurance Commissioner Ricardo Lara is promoting the biggest overhaul to the state’s insurance market in 35 years, calling it the Sustainable Insurance Strategy

Its goals include expediting the state’s rate approval process, which was put in place by Prop 103. It can now take more than a year for companies to get rate approvals. The plan also addresses the ability to use forward-looking catastrophe modeling and getting people off the California FAIR Plan. 

Lara has promised the Sustainable Insurance Strategy would be implemented by the end of 2024. To the Point host Alex Bell sat down with Lara and asked when California can expect to see changes.

“So, with the reforms that we’re proposing, I’m very confident that we’re going to see some real change coming mid-2025. We’re going to see that California is back open for business,” said Lara.

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