加州Dove山火受灾区近5万名投保人获一年保护：保险公司不得取消或拒绝续保
加州保险局局长 Ricardo Lara 11月10日宣布，Dove 山火火场及周边地区近5万名投保人获得为期一年的保护：保险公司不得对这些保单取消或拒绝续保。这项命令在州长纽森就 Dove 山火发布紧急状态声明之后作出。
保护范围覆盖 Tuolumne、Stanislaus 和 Calaveras 三县内、火场周界及相邻邮编地区的保单持有人，不论其房屋是否在这场火灾中受损。保险局说，这是为了让居民在灾后重建和寻找新保险时，不至于因为一场自己没有责任的火灾被市场拒之门外。
这次的命令还把保护扩大到一部分商业保单：年保费低于25,000美元的某些商业财产保险，包括业主协会、公寓以及学生和长者住房，也在一年保护之内。依据是2026年1月1日起生效的《商业保险保护法》（SB 547，2025年第544号法案）。
保险局数据显示，这类火灾后的暂停取消令在2025年保护了超过120万名房主，自2019年以来累计保护超过400万名房主。Lara 同时表示，包括 Farmers、Mercury、南加州汽车俱乐部、CSAA、USAA、Liberty Mutual 和 Travelers 在内的12个保险集团，正在加州留守或扩大业务。居民如遇保险问题，可拨打保险局热线 800-927-4357。
（来源：加州保险局）
Nearly 50,000 Policyholders Near California's Dove Fire Get a One-Year Shield: Insurers Cannot Cancel or Refuse Renewal
California Insurance Commissioner Ricardo Lara announced on November 10 that nearly 50,000 policyholders in and around the Dove Fire will receive one year of protection: insurers may not cancel or refuse to renew their policies. The order follows Governor Newsom's emergency declaration for the Dove Fire.
The protection covers policyholders within the fire perimeter and in adjoining ZIP codes in Tuolumne, Stanislaus and Calaveras counties, whether or not their homes were damaged in the fire. The Department of Insurance says the moratorium keeps residents from being pushed out of the market over a fire that was not their fault while they rebuild and shop for new coverage.
The order also extends protection to certain commercial policies with annual premiums under $25,000, including homeowners associations, apartment buildings and student and senior housing, under the Business Insurance Protection Act (SB 547, Chapter 544, Statutes of 2025), which took effect on January 1, 2026.
According to the department, post-fire moratoria protected more than 1.2 million homeowners in 2025 and more than 4 million since 2019. Lara added that 12 insurer groups, including Farmers, Mercury, the Auto Club of Southern California, CSAA, USAA, Liberty Mutual and Travelers, are staying in or growing their California business. Residents with insurance questions can call the department's hotline at 800-927-4357.
(Source: California Department of Insurance)
来源：加州保险局
发布：GSM·美国（发布链接）
图片来源：图：加州消防局的直升机在演练中投水（资料图）。Wikimedia Commons 图片（NASA/Joel Kowsky，公共领域）。 / Photo: A CAL FIRE helicopter makes a water drop during training (file photo). Wikimedia Commons image (NASA/Joel Kowsky, public domain).
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