AB 1986: Residential property insurance: home hardening.

The bill aims to increase wildfire resilience in residential properties by requiring insurance companies to provide separate quotes for "hardened" and non-hardened properties. Currently, insurance companies are not required to differentiate between these two types of properties in their premium quotes. The bill would allow homeowners to opt for a "hardened" property, which has been certified by a state-approved home hardening certification program. Insurance companies would need to provide a separate quote for the "hardened" property, taking into account the additional costs of the hardening measures. This would help homeowners make informed decisions about their property's wildfire risk and allow them to choose the level of protection they want to invest in.