California Department Of Insurance has a Senate Bill 824 (2018) that requires a mandatory one-year moratorium on insurance companies canceling or non-renewing residential insurance policies in certain areas within or adjacent to a fire perimeter after a declared state of emergency is issued by the Governor. https://www.insurance.ca.gov/01-consumers/140-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm

If you receive a Notice of Cancellation or Non-Renewal after a declared state of emergency:
If you received a notice of cancellation or non-renewal after the declared state of emergency that relates to the fire associated with your Zip Code, and the reason for the cancellation or non-renewal relates to wildfire risk, you should:

1. Contact your insurance company to seek a reinstatement of the policy.
2. If your insurer refuses, you are encouraged to contact us and file a Request for Assistance at http://www.insurance.ca.gov/01-consumers/101-help/index.cfm.

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As enacted by Senate Bill 824 (Lara, Chapter 616, Statutes of 2018), Insurance Code section 675.1, subdivision (b)(1) provides:
“An insurer shall not cancel or refuse to renew a policy of residential property insurance for a property located in any ZIP Code within or adjacent to the fire perimeter, for one year after the declaration of a state of emergency as defined in Section 8558 of the Government Code, based solely on the fact that the insured structure is located in an area in which a wildfire has occurred. This prohibition applies to all policies of residential property insurance in effect at the time of the declared emergency.”


Web pages 

• Home - https://www.insurance.ca.gov/
• One Year Moratorium on Non-Renewals - https://www.insurance.ca.gov/01-consumers/140-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm
• Help - https://www.insurance.ca.gov/01-consumers/101-help/index.cfm