What SB 876 does
Summary from the Legislative Counsel's Digest of the enrolled text, September 4, 2026. Read the full text on leginfo.
How it got here
Senator Padilla introduced SB 876 on . The text was amended 0 times, and heard in 8 committee hearings before its final floor votes.
- Senate Floor, May 27, 2026: 30 ayes, 9 noes.
- Assembly Floor, August 31, 2026: 59 ayes, 19 noes.
- Senate Floor, August 31, 2026: 27 ayes, 9 noes.
Committee votes along the way:
- Senate Insurance, April 8, 2026: Do pass as amended, but first amend, and re-refer to the Committee on [Judiciary], 5-2.
- Senate Judiciary, April 21, 2026: Do pass, but first be re-referred to the Committee on [Appropriations], 11-2.
- Senate Appropriations, May 4, 2026: Placed on suspense file, 7-0.
- Senate Appropriations, May 14, 2026: Do pass as amended, 5-2.
- Assembly Insurance, June 24, 2026: Do pass as amended and be re-referred to the Committee on [Judiciary], 13-4.
- Assembly Judiciary, June 30, 2026: Do pass and be re-referred to the Committee on [Appropriations], 9-3.
- Assembly Appropriations, August 13, 2026: Do pass as amended., 11-4.
Who supports and opposes SB 876
The Senate Floor Analyses analysis dated August 31, 2026 lists 14 organizations in support and 0 in opposition. When Senate Insurance first listed positions on April 6, 2026, the count was 7 in support and 6 opposed. By the Senate Floor Analyses analysis of August 31, 2026 it was 14 to 0.
In support: Insurance Commissioner Ricardo Lara / California Department of Insurance (sponsor); AARP; California Environmental Voters; CDP Rural Caucus; City of Los Alamitos; Lafayette; City of; Laguna Beach; and 6 more.
Read the Senate Floor Analyses analysis.
What happens next
It reached the Governor's desk on September 9, 2026. Bills presented after the Legislature adjourned on August 31 must be signed or vetoed within thirty days.
The Governor can sign the bill, veto it, or let it become law without a signature. Until the decision, sign and veto request letters are the remaining channel, and the Department of Finance's enrolled bill report carries weight on anything with a fiscal effect. If signed, most provisions take effect January 1, and implementation moves to the agencies named in the bill.
What it means for financial services organizations
Two decisions follow from a bill at this stage. The first is whether to weigh in with the Governor's office before the thirty-day window closes. The second is how to prepare for implementation if it becomes law: which agency writes the rules, when the comment period opens, and which obligations begin January 1.
The financial services group at Capitol Axis handles that for financial services clients.
Questions about SB 876
What does SB 876 do?
SB 876 concerns fire and residential property insurance. See the Legislative Counsel's Digest on leginfo for the full summary.
Has SB 876 passed the California Legislature?
It reached the Governor's desk on September 9, 2026. Bills presented after the Legislature adjourned on August 31 must be signed or vetoed within thirty days.
Who supports and opposes SB 876?
The Senate Floor Analyses analysis dated August 31, 2026 lists 14 organizations in support and 0 in opposition. Supporters include Insurance Commissioner Ricardo Lara / California Department of Insurance (sponsor); AARP; California Environmental Voters.
What happens next with SB 876?
The Governor can sign it, veto it, or let it become law without a signature. Until then, sign and veto request letters are the remaining channel, and the Department of Finance's enrolled bill report carries weight on anything with a fiscal effect.