Ins. Code, § 676 · Chapter 11. Cancellation and Failure to Renew Certain Property Insurance
Ins. Code, § 676
Text — As published in the Legislative Counsel's database, tables dated October 18, 2026 (pubinfo_2025.zip)
After a policy specified in Section 675 has been in effect for 60 days, or, if the policy is a renewal, effective immediately, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the policy, of one or more of the following:
(a) Nonpayment of premium, including nonpayment of any additional premiums, calculated in accordance with the current rating manual of the insurer, justified by a physical change in the insured property or a change in its occupancy or use.
(b) Conviction of the named insured of a crime having as one of its necessary elements an act increasing any hazard insured against.
(c) Discovery of fraud or material misrepresentation by either of the following:
(1) The insured or his or her representative in obtaining the insurance.
(2) The named insured or his or her representative in pursuing a claim under the policy.
(d) Discovery of grossly negligent acts or omissions by the insured or his or her representative substantially increasing any of the hazards insured against.
(e) Physical changes in the insured property which result in the property becoming uninsurable.
Notes and commentary — not statutory text
History
Amended by Stats. 1986, Ch. 1321, Sec. 2.
Source of truth
- Edition
- As published in the Legislative Counsel's database, tables dated October 18, 2026 (pubinfo_2025.zip)
- Official file
- https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=676.
- Text hash
- sha256 fa583b8a5181e443b8d44f1e7dc183802d192f8402c2cc0778b3e90a50aeed53
- Composed by
- compose_ca.py 2026-10-22: the Legislative Counsel's CAML content files read by a tokenizer (caml_readers.reader_a); an independent xml.etree reading (caml_readers.reader_b) agrees on every section
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