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Wednesday, November 4, 2026

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Utah bill tracker

H.B. 562: Homeowners Insurance Amendments

2026 General Session · Originating chamber: House

Saved official records and Ledger coverage. The outcome below is from the Legislature’s own step list.

What the bill does

Did not pass both chambers; the bill was filed on March 6, 2026.

This bill creates an independent state agency to provide real property insurance coverage when such coverage is not available from insurers.

  • Defines terms
  • Enacts the Access to Insurance Plan Act
  • Creates the Access to Insurance Plan Association as an independent state agency
  • Requires each admitted insurer that writes property insurance in the state to participate in the association as a condition of transacting business
  • Requires the association to establish and operate a residual market property insurance plan (fair plan)
  • Authorizes the fair plan to provide residential and commercial property insurance when coverage is not available in the admitted market
  • Establishes governance of the association by a board of directors that the governor appoints
  • Requires the board to adopt and submit a plan of operation to the insurance commissioner for approval
  • Establishes requirements for rates, underwriting standards, coverage limits, and policy forms under the fair plan
  • Requires an applicant to demonstrate that at least three admitted insurers declined coverage before obtaining coverage through the fair plan
  • Authorizes the association to assess member insurers to fund startup costs and ongoing financial obligations
  • Authorizes member insurers to recover certain assessments through policyholder surcharges
  • Grants the insurance commissioner oversight, enforcement authority, and rulemaking authority
  • Provides for judicial review of final administrative actions

The description and list come from the bill's own long title as recorded by the Legislature. Read the official bill. The Ledger takes no position on it.

Subjects: Insurance · Property and Casualty Insurance · Business · Labor and Employment · Independent Entities

How it moved

  1. · House1st reading (Introduced)Rules Committee
  2. · Houseto standing committeeNatural Resources, Agriculture, and Environment Committee
  3. · HouseHouse Comm - Recommends Returned to RulesNatural Resources, Agriculture, and Environment Committee
  4. · Housefiledfile for bills not passed

Steps as the Legislature recorded them; clerical and fiscal-staff entries are left out. Numbers such as 54-14-7 are yeas, nays and absent.

Fiscal note

From the Legislative Fiscal Analyst's note on H.B. 562, dated February 18, 2026. A fiscal note estimates direct costs and revenue; it is not an appropriation.

  • State revenue: Insurance Department Acct (GFR) Insurance Department Acct (GFR), One-time Enactment of this legislation could decrease the year-end transfer to the General Fund from the Insurance Department Restricted Account by $119,400 one-time and $80,000 ongoing beginning in FY 2027.
  • State expenditures: Insurance Department Acct (GFR) Insurance Department Acct (GFR), One-time Enactment of this legislation could increase expenditures for the Insurance Department by $119,400 one-time and $80,000 ongoing beginning in FY 2027 from the Insurance Department Restricted Account for oversight and enforcement. Spending from the Insurance Department Restricted Account impacts year-end transfers to the General Fund.
  • Local government: Enactment of this legislation likely will not result in direct, measurable costs for local governments.
  • Individuals and businesses: Enactment of this legislation could increase costs to insurers due to assessments from the newly created Access to Insurance Plan Association. Aggregate costs are estimated at $3,000,000 one-time in FY 2027 and $25,600,000 ongoing beginning in FY 2028.

Bill overview

Sponsor: Jennifer Dailey-Provost

Legislature passed-list status: Not available in the saved metadata.

Passed-list membership is not a finding that a bill was signed or took effect. A bill absent from that list is not necessarily pending or defeated.

Latest recorded action

filed
Action date:

The full step list is above. Find the bill in the official session list for status, hearings and committee records.

Recorded floor votes

No floor-vote records for this bill and session are available here. This does not mean no vote occurred; consult the official bill record.

Ledger coverage

No Ledger stories with an explicit source link to this bill and session are listed here.