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Read. Follow. Verify.Utah Legislature Establishes Access to Insurance Plan Association for Property Owners Unable to Secure Private Coverage
Last action · March 6, 2026: House/ filedSponsor: Jen Dailey-Provost
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What This Bill Proposed
Property owners who face repeated coverage denials from private insurers are allowed to obtain residential and commercial property insurance through a new state residual market plan starting May 6, 2026. Every admitted property insurer in Utah is required to participate in the newly created Access to Insurance Plan Association and face potential financial assessments. Applicants must demonstrate that at least three s declined coverage before qualifying for a policy under the plan.
Property owners who cannot find private coverage gain a guaranteed state fallback option starting May 6, 2026, while all admitted property insurers face mandatory association membership and financial assessments.
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
Admitted insurers writing property insurance in Utah
Member insurers must participate in the association, pay proportional assessments for startup and financial obligations, and comply with commissioner oversight under threat of fines or license suspension.
Property owners needing coverage
Property owners who are denied coverage by at least three private insurers can obtain residential or commercial property insurance through the residual market plan.
Licensed insurance producers
Licensed producers are required to submit evidence of declinations from at least three admitted insurers before the association can issue a plan policy.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Who is eligible to get property insurance through the new plan?
How is the association funded if it faces financial obligations or startup costs?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
15 actions- Mar 6, 2026HouseHouse/ filed
- Mar 6, 2026HouseHouse/ strike enacting clause
- Mar 5, 2026HouseHouse/ comm rpt/ sent to Rules
- Mar 2, 2026HouseHouse Comm - Recommends Returned to Rules
- Mar 2, 2026HouseHouse Comm - Not Considered
- Feb 27, 2026HouseCommitteeHouse/ to standing committee
Show 9 earlier actions
- Feb 19, 2026HouseHouse/ received fiscal note from Fiscal Analyst
- Feb 18, 2026ReleasedLFA/ fiscal note publicly available for HB0562
- Feb 18, 2026Version SponsorLFA/ fiscal note sent to sponsor for HB0562
- Feb 13, 2026HouseIntroducedHouse/ 1st reading (Introduced)
- Feb 13, 2026HouseHouse/ received bill from Legislative Research
- Feb 13, 2026Legislative Fiscal AgencyLFA/ bill sent to agencies for fiscal input for HB0562
- Feb 13, 2026Legislative Fiscal AnalystLFA/ bill assigned to staff for fiscal analysis for HB0562
- Feb 13, 2026Legislative Research and General CounselNumbered Bill Publicly Distributed
- Feb 13, 2026Legislative Research and General CounselBill Numbered but not Distributed
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Establishment of State-Backed Property Insurance Residual Market
Utah is creating an independent state agency specifically tasked with operating a residual market property insurance plan when coverage is unavailable in the admitted market.
Connected Entities
Sources
le.utah.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 75)
- Controversy50Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
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