# Jane Kim *candidate · Insurance Commissioner · Democratic* — November 3, 2026 General Election (2026-11-03), Los Angeles County, California Research pack generated 2026-10-30T23:52:30+00:00 by ballotscope. Summaries are LLM-generated from the linked originals and may contain errors; check the originals before relying on anything. Sources span 2026-02 to 2026-10-28. ## Overview (as of 2026-10-29, from 34 sources) Jane Kim, a former San Francisco supervisor (2011-2019) and until early 2026 California director of the Working Families Party, is running to overhaul insurance rather than repair it [Meet Jane Kim; Insurance commissioner race and the progressive wave; Why the insurance commissioner race is about more than insurance]. Her centerpiece is 'Natural Disaster Insurance for All': a mandatory, nonprofit public program; her policy brief limits it to wildfire coverage on existing homes, funded by a two-part premium [Natural Disaster Insurance for All policy brief; Lower Costs]. She also proposes minimum loss ratios, a public low-cost auto option, claims protections and a plan for children's healthcare [Lower Costs; Fast and Fair Claims; Expand Coverage]. She refuses insurer and corporate PAC money [Insurance Commissioner Candidate Statements]. Supporters include Sen. Bernie Sanders, the California Labor Federation, nurses and teachers [Endorsements; How California insurance commissioner candidates Jane Kim and Ben Allen measure up]. The San Francisco Chronicle, Consumer Watchdog and industry voices warn her plan is infeasible or risky [San Francisco Chronicle editorial: insurance commissioner endorsement; State-run wildfire insurance fund won't work; there's a better way; California insurance candidates and public options]. She led the June primary (about 27%) [Ben Allen, Jane Kim California insurance commissioner]; Probolsky's Oct. 26 poll had Allen ahead 25-21 with 54% undecided [Senator Ben Allen Leads for California Insurance Commissioner]. ### Record highlights - As supervisor she backed San Francisco's free community college, the state's first $15 minimum wage ordinance and tenant protections, by her and CalMatters' accounts. [Meet Jane Kim; CalMatters Voter Guide: Insurance Commissioner; How California insurance commissioner candidates Jane Kim and Ben Allen measure up] - Sponsored 2016's Prop C raising affordable-housing requirements, which the Chronicle board calls 'a spectacular failure' later scaled back. [San Francisco Chronicle editorial: insurance commissioner endorsement] - Served as California political director for Sanders' 2020 campaign and as Working Families Party state director, Jan. 2022-Jan. 2026. [Meet Jane Kim; Ben Allen, Jane Kim California insurance commissioner] - Finished first in the June 2026 primary with about 27%, including in Los Angeles County. [Ben Allen, Jane Kim California insurance commissioner; Insurance commissioner race and the progressive wave] - Has held no elected office since 2019. [How California insurance commissioner candidates Jane Kim and Ben Allen measure up] ### Stated positions - Create a mandatory public wildfire insurance program for existing homes, administered by insurers; the brief cites state estimates of about $25 billion in capital, or $6 billion plus $2-3 billion a year in reinsurance. [Natural Disaster Insurance for All policy brief] - Set minimum loss ratios (70% auto, 65% homeowners) and cap excessive profits and CEO pay. [Lower Costs; Candidate comment: Insurers' blockbuster profits enrich shareholders and CEOs, not customers (Jane Kim guest commentary)] - Bar rate hikes or drops for filing claims, charge interest on delays, pay contents in full immediately after total losses. [Fast and Fair Claims] - Require minimum coverage standards and six months' notice before nonrenewal; expand low-cost auto insurance. [Expand Coverage; Lower Costs] - Make the FAIR Plan more accountable while keeping an insurer of last resort. [Lower Costs; CalMatters Voter Guide: Insurance Commissioner] - Write a plan to guarantee healthcare for every child, though the department does not regulate managed care. [Expand Coverage] ### Where sources disagree - Program scope: her February commentary and ABC7 describe natural-disaster or fire-and-flood coverage; her policy brief covers wildfire only. [Candidate comment: Insurers' blockbuster profits enrich shareholders and CEOs, not customers (Jane Kim guest commentary); Meet the candidates in California's closely watched insurance commissioner race; Natural Disaster Insurance for All policy brief] - Polls disagree on the leader: Kim ahead in September, Allen ahead 25-21 in late October. [Jane Kim leads the race for California Insurance Commissioner; 57% remain unsure; Senator Ben Allen Leads for California Insurance Commissioner] - Whether New Zealand is a valid model: Kim cites it; Allen and Consumer Watchdog say its coverage is capped and thin for wildfire. [How California insurance commissioner candidates Jane Kim and Ben Allen measure up; State-run wildfire insurance fund won't work; there's a better way] ### Gaps - No transcript of the Oct. 8 CalMatters debate or of KQED's Political Breakdown interview. - No primary records from her supervisor tenure (votes, ordinances); her record is described only by her campaign and press. - No independent costing of her disaster program beyond the state study her brief cites. ### Arguments for / praise - The current system is failing and incremental tinkering will not fix it; the status quo is the most expensive path. — *Jane Kim* [Why the insurance commissioner race is about more than insurance; Natural Disaster Insurance for All policy brief] - She is independent of insurer and corporate money. — *Jane Kim campaign, Jane Kim* [Jane Kim for Insurance Commissioner; Who's spending money on the California insurance commissioner race] - Public disaster insurance has expert backing, and a state study analyzed a similar wildfire insurer. — *New America (Moira Birss), CalMatters* [Disaster Insurance for All: our proposal for reforming property insurance; How California insurance commissioner candidates Jane Kim and Ben Allen measure up] - She is 'tenacious and relentless' and effective at forcing deals with industries. — *Malia Cohen* [How California insurance commissioner candidates Jane Kim and Ben Allen measure up] ### Arguments against / criticism - A state wildfire fund would need high tens of billions of dollars and could be wiped out by one catastrophe. — *Consumer Watchdog (Jamie Court)* [State-run wildfire insurance fund won't work; there's a better way; Insurance commissioner race and the progressive wave] - She would 'blow up' a market starting to recover under Lara's reforms. — *San Francisco Chronicle editorial board, Emily Hoeven* [San Francisco Chronicle editorial: insurance commissioner endorsement; California's election results are a giant red flag on this key issue (Emily Hoeven column)] - Her plan is 'pie in the sky' and would effectively subsidize the rich. — *Ben Allen* [Meet the candidates in California's closely watched insurance commissioner race; Insurance commissioner race and the progressive wave] - Outside support for her is largely her own former organization's PAC. — *Ben Allen campaign (Joe Arellano)* [Who's spending money on the California insurance commissioner race] ## Analysis of their own words (as of 2026-10-29) Coverage: 15 samples, Feb.-Oct. 2026: her CalMatters commentary (S8), the official statement (S3, S13), a detailed policy brief (S12) and six campaign pages (S4, S9-S11, S14, S15; mostly undated), plus reported quotes in Capitol Weekly (S1), ABC7 (S5), a forum write-up (S6) and a CalMatters excerpt roundup (S7). The Oct. 8 debate video (S2) has no transcript. No full unscripted transcript; nothing from her 2011-2019 supervisor tenure. Progressive and populist on insurance: replace private wildfire coverage with a mandatory public nonprofit program, cap profits via minimum loss ratios, expand public auto insurance, and add strong claims and coverage mandates. She frames the office as a platform for broader economic-fairness goals (e.g., children's healthcare). Labels supported by her own words on these issues. Articulation: **strong**. Prepared texts are specific and well structured: numeric loss-ratio floors, coverage minimums, a two-part premium design, and cited capital needs from the state's SB 254 study ("about $25 billion") [S9, S12]. Reported unscripted quotes are vivid and on message [S1, S5]. Her earlier commentary gave no costing [S8]; the brief still leaves capital sources and governance as items to "explore" [S12]. Consistency: **adequate**. Core themes hold Feb.-Oct. 2026: a universal public disaster program, profit caps, claims protections, no corporate money [S8, S13, S1]. The program's scope narrowed from natural disasters generally to wildfire only (see shifts), and claims of who is covered ("every Californian") vary by page. - Public disaster insurance: A mandatory, nonprofit public program covering wildfire for every existing home, administered by insurers. - "We need Natural Disaster Insurance for All." [Candidate comment: Insurers' blockbuster profits enrich shareholders and CEOs, not customers (Jane Kim guest commentary)] (2026-02) - "The program would take one peril, wildfire, out of the homeowners policy and cover it for every property." [Natural Disaster Insurance for All policy brief] (undated) - "Participation will be mandatory so the pool avoids taking on highest risk only and is large enough to achieve stability." [Natural Disaster Insurance for All policy brief] (undated) - Profits and rates: Minimum loss ratios and caps on excessive profits and CEO pay. - "Auto insurance: 70% minimum (three-year average)" [Lower Costs] (undated) - "When claims are denied or delayed, that isn’t a glitch – it’s a business strategy." [Candidate comment: Insurers' blockbuster profits enrich shareholders and CEOs, not customers (Jane Kim guest commentary)] (2026-02) - Claims: No penalties for filing claims, interest on delays, immediate contents payouts. - "Your policy shouldn’t punish you for using it" [Fast and Fair Claims] (undated) - "immediately pay out the full contents coverage for total losses after a disaster" [Fast and Fair Claims] (undated) - Scope of the office: Would seek children's healthcare and centralized insurance regulation beyond the department's current remit. - "Jane will write a plan to guarantee healthcare for every child in California" [Expand Coverage] (undated) - "Jane believes insurance regulatory authority should be centralized within the Department of Insurance" [Expand Coverage] (undated) - Campaign money: Refuses insurer and corporate PAC money; attacks her opponent's donors. - "California deserves a watchdog for consumers, not a lapdog for corporations, and I’m the only candidate refusing money from corporate PACs." [Insurance Commissioner Candidate Statements] (undated) - "He has cashed their checks 76 times in his career." [Why the insurance commissioner race is about more than insurance] (2026-10-15) Limitations: Mostly campaign-written or edited material; unscripted speech comes only as reporter-selected quotes. Her supervisor-era record is not in the samples. Cannot show legislative feasibility of her plan. ## Timeline (newest first) - **2026-10-28** — Published: Disaster Insurance for All: our proposal for reforming property insurance (New America) - **2026-10-26** — Published: Senator Ben Allen Leads for California Insurance Commissioner (Probolsky Research) - **2026-10-26** — Probolsky releases poll showing Allen ahead (Probolsky Research) - **2026-10-15** — Published: Why the insurance commissioner race is about more than insurance (Capitol Weekly) - **2026-10-09** — Published: How California insurance commissioner candidates Jane Kim and Ben Allen measure up (CalMatters) - **2026-10-08** — Published: Can California Fix Its Insurance Crisis? The Candidates Weigh In (CalMatters debate, Oct. 8, 2026) (CalMatters / UC Student and Policy Center) - **2026-10-08** — CalMatters-moderated debate between Allen and Kim (CalMatters) - **2026-10-08** — CalMatters/UC Student and Policy Center candidate event in Sacramento (Mission Local) - **2026-10-03** — Kim spoke at Sanders rally for Proposition 40 (CalMatters) - **2026-10** — Published: Who's spending money on the California insurance commissioner race (CalMatters) - **2026-10** — Published: Ben Allen, Jane Kim California insurance commissioner (Mission Local) - **2026-09-29** — Published: CalMatters Voter Guide: Insurance Commissioner (CalMatters) - **2026-09-28** — Published: Official Voter Information Guide: Statewide Candidate Statements (PDF) (California Secretary of State) - **2026-09-17** — Published: Jane Kim for Insurance Commissioner (Jane Kim campaign) - **2026-09-17** — Published: Jane Kim's Bold Plan to Protect You When Disaster Strikes (Political Breakdown audio episode page) (KQED) - **2026-09-06** — Published: Jane Kim leads the race for California Insurance Commissioner; 57% remain unsure (Probolsky Research) - **2026-08-18** — Published: Insurance commissioner race and the progressive wave (CalMatters) - **2026-08-01** — Published: San Francisco Chronicle editorial: insurance commissioner endorsement (San Francisco Chronicle) - **2026-07-30** — Published: Meet the candidates in California's closely watched insurance commissioner race (ABC7) - **2026-06-04** — Published: California's election results are a giant red flag on this key issue (Emily Hoeven column) (San Francisco Chronicle) - **2026-06-03** — Published: Decision 2026: California insurance commissioner race (NBC Los Angeles) - **2026-06-03** — Published: Kim and Allen Lead Voting in California Insurance Commissioner Primary (Insurance Journal) - **2026-06-02** — Published: Kim Leads Early as Insurance Commissioner Race Heads Toward General Election (KQED) - **2026-05** — Published: California insurance candidates and public options (CalMatters) - **2026-04-10** — Published: California insurance commissioner candidates debate solutions to wildfire-driven crisis (KQED) - **2026-04-09** — SPUR candidate forum in San Francisco (five of eight candidates attended) (KQED) - **2026-03-05** — Published: What the California insurance commissioner does (CalMatters) - **2026-02-02** — Published: State-run wildfire insurance fund won't work; there's a better way (Consumer Watchdog) - **2026-02** — Published: Candidate comment: Insurers' blockbuster profits enrich shareholders and CEOs, not customers (Jane Kim guest commentary) (CalMatters) - **2026-02** — Published: Insurance commissioner candidates' responses (CalMatters commentary roundup) (CalMatters) ## Sources ### Disaster Insurance for All: our proposal for reforming property insurance - New America · third party analysis · published 2026-10-28 · stance: neutral - New America blog by Moira Birss (Climate and Community Institute) proposing single-payer public disaster insurance, community-scale risk reduction and housing in lower-risk places, akin to New Zealand. It does not mention Kim; CalMatters cites it as expert support for her approach. ### Senator Ben Allen Leads for California Insurance Commissioner - Probolsky Research · other · published 2026-10-26 · stance: neutral - Later Probolsky Research poll: Allen 25%, Kim 21%, unsure 54%, reversing the firm's September result. ### Why the insurance commissioner race is about more than insurance - Capitol Weekly · interview · published 2026-10-15 · stance: neutral - Capitol Weekly feature with lengthy interview quotes. Kim embraces the change-candidate label ('He is running for what this office used to be. I'm running for what this office could be.'), says the office has under-used executive authority, says Allen 'cashed their checks 76 times,' and says big ideas must be negotiated with the governor and Legislature. - Reference: Probolsky poll ### How California insurance commissioner candidates Jane Kim and Ben Allen measure up - CalMatters · news · published 2026-10-09 · stance: neutral - CalMatters head-to-head. Kim proposes public disaster insurance splitting off fire and flood coverage, funded from existing premiums, plus a public low-cost auto option. At the Oct. 8 debate she said Allen would 'tinker' with the status quo and answered the New Zealand critique by saying coverage would reach a median home price. She has held no office since 2019. - Reference: Debate video - Reference: SB 1209 - Reference: SB 894 - Reference: SB 1301 - Reference: SB 254 resiliency report ### Can California Fix Its Insurance Crisis? The Candidates Weigh In (CalMatters debate, Oct. 8, 2026) - CalMatters / UC Student and Policy Center · debate · published 2026-10-08 · stance: neutral - YouTube page for the Oct. 8 CalMatters debate between Allen and Kim; the stored text has only the page title, no transcript. ### Who's spending money on the California insurance commissioner race - CalMatters · campaign finance · published 2026-10 · stance: neutral - CalMatters money tally. Outside support for Kim tops $958,000, much from the Working Families Party she led until early 2026; Allen's campaign calls it 'her own political operation,' which her campaign denies, citing a firewall. Kim says insurance-linked PAC money backing Allen is 'an investment in him.' ### Ben Allen, Jane Kim California insurance commissioner - Mission Local · news · published 2026-10 · stance: neutral - Mission Local race overview. Kim's centerpiece is state-run single-payer natural-disaster insurance funded by a two-part premium (risk-based plus property-value-based), which would need legislative approval; she says excess capital would return to the community. Outside spending against her outweighs spending for her. - Reference: SB 1209 text - Reference: Kim policy brief - Reference: SF Chronicle endorsement - Reference: Probolsky poll ### CalMatters Voter Guide: Insurance Commissioner - CalMatters · voter guide · published 2026-09-29 · stance: neutral - CalMatters voter-guide race page. Kim: state-run 'natural disaster insurance for all' covering wildfire and flood, tie home-insurance availability to selling auto insurance, expand low-cost auto, freeze rates on claims, a public claims dashboard, disclosure of fossil-fuel investments; keep a more accountable FAIR Plan. - Reference: Allen commentary - Reference: Kim commentary - Reference: Campaign funding - Reference: Head-to-head ### Official Voter Information Guide: Statewide Candidate Statements (PDF) - California Secretary of State · position statement · published 2026-09-28 · stance: not_applicable - The official PDF voter guide carrying Kim's candidate statement (same text as the web version): no insurer or corporate PAC money, a public 'Disaster Insurance for All' program, profit caps and guaranteed children's healthcare. ### Jane Kim for Insurance Commissioner - Jane Kim campaign · position statement · published 2026-09-17 · stance: support - Kim campaign home page: insurers make 'record profits' while raising rates and denying claims; she is 'the only candidate' never to take insurer or their PAC money and refuses all corporate PAC money; priorities are lower costs, expanded coverage and fast, fair claims. - Natural Disaster Insurance for All, a fixed FAIR Plan, low-cost auto expansion. - Claims freeze, delay penalties, insurer dashboard. - SF record: $15 minimum wage, free community college, tenant protections. - Reference: Follow the money - Reference: Lower costs ### Jane Kim's Bold Plan to Protect You When Disaster Strikes (Political Breakdown audio episode page) - KQED · news · published 2026-09-17 · stance: support - KQED Political Breakdown episode page for an interview with Kim on her single-payer disaster insurance plan, which 'critics say she won't be able to deliver.' ### Jane Kim leads the race for California Insurance Commissioner; 57% remain unsure - Probolsky Research · other · published 2026-09-06 · stance: neutral - Probolsky Research poll release: Kim holds a small lead over Allen with 57% unsure; over 80% of Republicans undecided. ### Insurance commissioner race and the progressive wave - CalMatters · news · published 2026-08-18 · stance: neutral - CalMatters on the race as a party fault line. Kim led the primary with 27%+ and is backed by Sanders and the Labor Federation; Consumer Watchdog warns her disaster fund would need tens of billions to start. Kim says her plan needs further study but 'just allowing the insurance industry to raise rates' is not a solution. Business groups spent $1.5 million against her in the primary. - Reference: Allen Digital Democracy profile - Reference: CalMatters on public options ### San Francisco Chronicle editorial: insurance commissioner endorsement - San Francisco Chronicle · endorsement · published 2026-08-01 · stance: support - San Francisco Chronicle editorial endorsing Allen and calling Kim 'as rash as they come.' Quotes her endorsement interview dismissing Lara's reforms as 'managing decline' and saying 'I don't actually believe the insurers want to exit our market'; cites her 2016 Prop C housing mandate as a failure. - Reference: Consumer Watchdog critique ### Meet the candidates in California's closely watched insurance commissioner race - ABC7 · interview · published 2026-07-30 · stance: neutral - ABC7 profile with extended on-camera quotes. Kim describes Natural Disaster Insurance for All, in which the state would hold and invest a share of premiums and plow revenue into fireproofing and floodproofing, and says she wants to 'fix the car,' not drive it. ### California's election results are a giant red flag on this key issue (Emily Hoeven column) - San Francisco Chronicle · third party analysis · published 2026-06-04 · stance: oppose - Chronicle columnist Emily Hoeven calls Kim's single-payer plan a 'disastrous idea' whose cost and mechanics are 'conveniently left out,' while calling her 'a particularly persuasive messenger.' Quotes Kim: 'We should start acting like the big state that we are' and 'I think I'm good at it' on politics. ### Decision 2026: California insurance commissioner race - NBC Los Angeles · news · published 2026-06-03 · stance: neutral - NBC Los Angeles primary tally with 54% counted: Kim 23.65%, Allen 19.19%, Korsgaden 17.53%. ### Kim and Allen Lead Voting in California Insurance Commissioner Primary - Insurance Journal · news · published 2026-06-03 · stance: neutral - Insurance Journal primary report: Kim led with 23.7% of the partial count; brief bio (SF supervisor 2011-2019, past state Senate and mayoral runs). - Reference: SB 1297 - Reference: SB 894 ### Kim Leads Early as Insurance Commissioner Race Heads Toward General Election - KQED · news · published 2026-06-02 · stance: neutral - KQED election-night report: Kim first with 24.1% of early returns. Notes her guaranteed disaster insurance plan modeled on France and New Zealand and her pledge on children's health insurance; quotes her saying her message of 'taking on the insurance industry and the status quo' is resonating. ### California insurance candidates and public options - CalMatters · news · published 2026-05 · stance: neutral - CalMatters survey of candidates' proposals for a bigger state role. Kim's public wildfire-and-flood fund (inspired by New Zealand) resembles an academic 'California Wildfire Authority' proposal; she has given no capitalization figure, saying it needs study, and says critics ignore that the current system 'doesn't work.' ### California insurance commissioner candidates debate solutions to wildfire-driven crisis - KQED · debate · published 2026-04-10 · stance: neutral - KQED coverage of an April 9 SPUR primary forum. KQED says Kim 'had the most concrete suggestions for radical change': a single-payer public disaster insurer modeled on France, Spain and New Zealand, expanding low-cost auto insurance and guaranteed healthcare for every child. ### What the California insurance commissioner does - CalMatters · news · published 2026-03-05 · stance: neutral - CalMatters explainer on the job: balancing availability and affordability after Lara's rate-rule changes and the LA fires. The subject is named only as one of several declared candidates. ### State-run wildfire insurance fund won't work; there's a better way - Consumer Watchdog · third party analysis · published 2026-02-02 · stance: oppose - Consumer Watchdog's Jamie Court argues a state-run wildfire fund 'won't work': it would need high tens of billions to capitalize, would let insurers keep reserves while shedding risk, and New Zealand's cap (~US$177K) is too thin for total wildfire losses. He prefers mandatory coverage for mitigated homes plus public reinsurance. Kim is not named. ### Candidate comment: Insurers' blockbuster profits enrich shareholders and CEOs, not customers (Jane Kim guest commentary) - CalMatters · position statement · published 2026-02 · stance: support - Kim guest commentary in CalMatters, in her own words: insurers are 'financial firms first,' so denying claims is 'a business strategy'; she proposes universal Natural Disaster Insurance for All modeled on New Zealand and France and caps on CEO pay and excess profits. ### Insurance commissioner candidates' responses (CalMatters commentary roundup) - CalMatters · position statement · published 2026-02 · stance: neutral - CalMatters roundup of excerpts from each primary candidate's commentary on wildfire recovery. Kim's excerpt calls for universal 'Natural Disaster Insurance for All' modeled on New Zealand and France and for capping CEO pay and excessive profits. ### 2026 California Insurance Commissioner election - Wikipedia · other · published undated · stance: neutral - ### Who are Democrats Kim and Allen, California's insurance commissioner candidates? - InsuranceNewsNet · news · published undated · stance: neutral - ### Meet Jane Kim - Jane Kim campaign · position statement · published undated · stance: support - Kim campaign bio: SF supervisor 2011-2019 (free community college, minimum wage, childcare tax raising $140M+/yr, tenant protections, affordable-housing mandate raised from 12% to 25%); Bernie 2020 California political director; California Working Families Party director for four years; Stanford and UC Berkeley Law. ### Your guide to California's insurance commissioner race - InsuranceNewsNet · voter guide · published undated · stance: neutral - ### Expand Coverage - Jane Kim campaign · position statement · published undated · stance: support - Kim's 'Expand Coverage' plan: minimum coverage standards as a condition of rate approval (guaranteed replacement, up to 50% extended replacement, code-upgrade coverage), six months' notice before nonrenewal, a public rebuild-cost calculator, ending occupation-based auto pricing, and a plan for 'Medicare for Kids' though the department doesn't regulate managed care. ### Endorsements - Jane Kim campaign · endorsement · published undated · stance: support - Kim's endorsement list with quotes from Sen. Bernie Sanders, Lt. Gov. Kounalakis, Controller Cohen, SEIU California's David Huerta and Oakland Mayor Barbara Lee; also Sen. Andy Kim, Robert Reich, Reps. Khanna, Jayapal, Simon, and the Working Families Party. ### Insurance Commissioner Candidate Statements - California Secretary of State · position statement · published undated · stance: support - Kim's own paid statement in the official voter guide. She pledges never to take insurance or corporate PAC money, promises fast and fair claims, a cap on excessive profits, a crackdown on price-fixing, a public 'Disaster Insurance for All' program and guaranteed healthcare for every California child, and cites her San Francisco record. - Says she is the only candidate refusing corporate PAC money. - Proposes a public 'Disaster Insurance for All' program and capping excessive profits. - Promises guaranteed healthcare for every California child. - Cites SF wins: tuition-free community college, first $15 minimum wage, affordable housing. ### Natural Disaster Insurance for All policy brief - Jane Kim campaign · position statement · published undated · stance: support - Kim's Natural Disaster Insurance for All policy brief: move wildfire out of homeowners policies into one mandatory, nonprofit public program for existing homes, with a two-part premium (own-risk plus capped statewide share by rebuild cost), insurers administering, the program holding risk and running mitigation. It cites the SB 254 study: ~$25B capital alone, or ~$6B plus $2-3B/yr reinsurance. - Covers wildfire only (not flood) in this brief. - Coverage capped near the typical home's rebuild cost. - Starting capital partly from insurers by market share. - Acknowledges it 'will not be easy' and needs the governor and Legislature. ### Fast and Fair Claims - Jane Kim campaign · position statement · published undated · stance: support - Kim's 'Fast and Fair Claims' plan: legislation barring rate hikes or drops for filing claims, interest on delayed claims, immediate full contents payment for total losses, market conduct exams of high-complaint insurers, and a public claims-performance dashboard. ### Follow the money - Jane Kim campaign · position statement · published undated · stance: support - Kim campaign page attacking Allen's donors ($114,050 from insurers, $2.0 million corporate) to contrast with her own pledge against insurance and corporate PAC money. - Reference: Cal-Access: Californians for an Affordable Future - Reference: Politico: Allen to return insurance donations ### Our opponent - Ben Allen campaign · position statement · published undated · stance: support - Allen campaign attack page saying Kim's plan would scrap California's insurance market for an 'untested, government-run system' that could 'bankrupt the state.' ### Who controls your home insurance? A high-stakes California race could decide - InsuranceNewsNet · news · published undated · stance: neutral - ### Lower Costs - Jane Kim campaign · position statement · published undated · stance: support - Kim's 'Lower Costs' plan: single-payer Natural Disaster Insurance for All with automatic universal coverage and a two-part premium; FAIR Plan reforms (smoke-claim enforcement, public board members, insurer-paid hardening fee); minimum loss ratios of 70% auto and 65% homeowners; a public auto option long term; 'Where Your Premium Goes' reports and fossil-fuel investment disclosure. - Says the FAIR Plan 'exists to stabilize insurers, not protect Californians.' - Excess premiums beyond claims plus 'a reasonable profit' returned or invested. - Polluters would pay into the public system. - Reference: Policy brief ### California Insurance Commissioner election, 2026 - Ballotpedia · voter guide · published undated · stance: neutral - ## Suggested use Ask me neutral questions about this subject using the material above. Distinguish what the sources say from your own background knowledge, cite the source titles you rely on, and say when information may be out of date given the dates shown.