加州保险局下令：Dove Fire灾区约5万份住房保单一年内不得取消或拒续
加利福尼亚州保险局11月10日发布命令：局长 Ricardo Lara 要求保险公司为 Dove Fire 火灾所涉地区的约50,000名投保人保留住房财产保险。自州长 Gavin Newsom 就这场火灾发布紧急声明之日起一年内，位于火灾周边及邻近邮编地区的保单不得被取消或拒绝续保，无论房屋是否受损。受影响地区包括 Tuolumne、Stanislaus 与 Calaveras 三县。
投保人可以在保险局网站查询自家邮编是否列入保护范围，也可以拨打消费者热线 800-927-4357 咨询。保险局表示，这一年的缓冲期是让灾区居民在重建和寻找新保单时不至于失去保障。
今年起，这项保护首次扩大到部分商业保单：年保费低于25,000美元的业主协会、公寓楼、学生宿舍与养老社区保单同样适用。这一扩围来自《商业保险保护法》SB 547，该法于2026年1月1日生效。
保险局公布的数据显示，同类火灾后暂停取消令在2025年保护了超过120万名房主；自相关法律2019年生效以来，累计已有超过400万名投保人获得这类保护。
保险局同时表示，在其「可持续保险战略」推进下，已有12家保险集团承诺留在加州市场或扩大承保范围。
（来源：加州保险局）
California Orders One-Year Coverage Protection for About 50,000 Policyholders in Dove Fire Area
The California Department of Insurance announced on November 10 that Commissioner Ricardo Lara has ordered insurers to preserve residential property coverage for approximately 50,000 policyholders affected by the Dove Fire. For one year from the date of Governor Gavin Newsom's emergency declaration for the fire, policies in the fire perimeter and adjoining ZIP Codes may not be cancelled or non-renewed, regardless of whether the home was damaged. The affected area covers Tuolumne, Stanislaus and Calaveras counties.
Policyholders can check on the department's website whether their ZIP Code is included, or call the consumer hotline at 800-927-4357. The department says the one-year shield gives residents time to rebuild and shop for new coverage without losing protection.
For the first time this year, the protection also extends to certain commercial policies with annual premiums under $25,000, covering homeowners associations, apartment buildings, student housing and senior living communities. The expansion comes from the Business Insurance Protection Act, SB 547, which took effect on January 1, 2026.
According to the department, similar post-fire moratoriums protected more than 1.2 million homeowners in 2025, and more than 4 million policyholders have been protected since the law was enacted in 2019.
The department also said that under its Sustainable Insurance Strategy, 12 insurance groups have committed to staying in or growing in the California market.
(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：图片来源：Wikimedia Commons，Durova 摄「Firehome5」（公共领域），图中为2007年 Witch Creek Fire 过后、加州圣迭戈县一处被野火烧毁的乡村住宅区（资料图） Image: Wikimedia Commons, "Firehome5" by Durova (public domain), showing a wildfire-destroyed rural property in San Diego County, California, after the 2007 Witch Creek Fire (file photo)
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