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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California Insurance Code section 10102 (residential property insurance disclosure statement)",
  "publisher": "California Legislative Counsel (leginfo.legislature.ca.gov)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10102.",
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  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Changes only by California legislation; leginfo reflects the current operative text.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "ca-ins-code-10102#c1",
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      "checksum": "1df59654b516",
      "text": "The statutory disclosure defines ACTUAL CASH VALUE COVERAGE, for either a total or partial loss to the structure or its contents, as paying the amount it would cost to repair, rebuild, or replace the thing lost or injured, less a fair and reasonable deduction for physical depreciation based upon its condition at the time of the injury, or the policy limit, whichever is less."
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      "text": "The statutory disclosure defines REPLACEMENT COST COVERAGE as intended to provide for the cost to repair or replace the damaged or destroyed dwelling, without a deduction for physical depreciation, and states that many policies pay only the dwelling's actual cash value until the insured has actually begun or completed repairs or reconstruction on the dwelling."
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      "text": "The statutory disclosure defines EXTENDED REPLACEMENT COST COVERAGE as intended to provide for the cost to repair or replace the damaged or destroyed dwelling without a deduction for physical depreciation, and states that Extended Replacement Cost provides additional coverage above the dwelling limits up to a stated percentage or specific dollar amount."
    },
    {
      "claimId": "ca-ins-code-10102#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10102#c4",
      "checksum": "04921e7a42aa",
      "text": "The statutory disclosure defines GUARANTEED REPLACEMENT COST COVERAGE as covering the full cost to repair or replace the damaged or destroyed dwelling for a covered peril regardless of the dwelling limits shown on the policy declarations page."
    },
    {
      "claimId": "ca-ins-code-10102#c5",
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      "text": "Subdivision (e) provides that a policy of residential property insurance shall not be initially issued as guaranteed replacement cost coverage if it contains any maximum limitation of coverage based on any set dollar limits, percentage amounts, construction cost limits, indexing, or any other preset maximum limitation."
    },
    {
      "claimId": "ca-ins-code-10102#c6",
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      "checksum": "9e96861df3f3",
      "text": "Subdivision (d) provides that following issuance of the policy the insurer shall provide the disclosure statement to the insured on an every-other-year basis at the time of renewal."
    },
    {
      "claimId": "ca-ins-code-10102#c7",
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      "checksum": "7b1bcc8cdcd5",
      "text": "The amendment note on the page reads Amended by Stats. 2020, Ch. 263, Sec. 2. (AB 2756) Effective January 1, 2021."
    }
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  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "What is the difference between replacement cost and market value?",
      "url": "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value"
    },
    {
      "kind": "Module",
      "title": "Residential Property Position (1 check)",
      "url": "https://bestinsuranceresearch.com/tools/property-position"
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  ],
  "reliedOnByCount": 2,
  "citation": {
    "text": "California Legislative Counsel (leginfo.legislature.ca.gov). \"California Insurance Code section 10102 (residential property insurance disclosure statement).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10102. (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-10102, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-10102",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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