From privacy protections to wildfire risk management, several states are introducing forward-thinking insurance legislation in 2025.
California
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SB 354 – Insurance Consumer Privacy Protection Act (ICPPA) of 2025
Introduced by Senator Monique Limón and sponsored by Insurance Commissioner Ricardo Lara, this bill aims to enhance consumer privacy protections within the insurance sector. It establishes a modern privacy rights framework, granting consumers greater control over their personal data. Key provisions include the right to consent to data sharing, amend inaccurate information, and access details about data usage. The bill applies to over 400,000 insurance licensees in California.
Nevada
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AB 437 – Establishment of a FAIR Plan
In response to a significant increase in homeowners’ insurance policy cancellations due to wildfire risks, Assemblymember Jill Dickman introduced Assembly Bill 437. This bill proposes the creation of a Fair Access to Insurance Requirements (FAIR) Plan, serving as an insurance program of last resort for homeowners unable to obtain coverage through standard providers. To qualify, homeowners must be denied coverage by three standard insurance companies and implement recommended wildfire mitigation measures. -
NV Energy’s Wildfire Self-Insurance Policy Proposal
NV Energy has submitted a proposal to the Public Utilities Commission of Nevada to establish a $500 million wildfire self-insurance fund. This initiative aims to address the financial impacts of catastrophic wildfires and provide stability for customers. If approved, the policy would be funded through customer rate adjustments over a ten-year period, with Northern Nevada customers seeing an approximate $2.40 monthly increase and Southern Nevada customers about $0.50.
Washington
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SB 5331 – Insurance Restitution and Fines Bill
This bill would have allowed the Washington Office of the Insurance Commissioner (OIC) to order insurers to pay restitution directly to consumers for misconduct and to fine home and auto insurance companies up to $10,000 per violation. However, an amendment introduced in the House capped total fines at $100,000, drawing criticism for weakening consumer protections. The bill ultimately died in the House Consumer Protection and Business Committee, with opponents arguing that the cap undermined deterrence and favored large insurers over affected consumers.
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