SB 1476: Homeowners’ Insurance Premium Discounts
GENERAL BILL by Bernard
Homeowners’ Insurance Premium Discounts; Requiring residential property insurers to provide specified premium reductions for claim-free periods and mitigation improvements; prohibiting the use of storm-related claims to deny eligibility for a premium reduction; requiring the Office of Insurance Regulation to adopt rules relating to mitigation upgrades; prohibiting certain claims that are the result of an act of God from being used as a cause for premium discount ineligibility, etc.
Senate Committee References:
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Bill History
Date Chamber Action 1/8/2026 Senate • Filed
1/16/2026 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
1/22/2026 Senate • Introduced
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SB 1476, Original Filed Version (Current Bill Version) Posted 1/8/2026 at 2:26 PM
Bill Text: Web Page | PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 775 Homeowner's Insurance Premium Reductions Edmonds Compare Last Action: 1/13/2026 H 1st Reading (Original Filed Version) 
Citations - Statutes (2)
Citation Catchline Location in Bill Location In Bill Help 626.0656 Page 1 (pdf) 627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 3 (pdf)