Steven Craig Bradford

Government Reform

I’ll lead the creation of a public–private partnership that shares the risk for insurance companies, so they stay in the market and keep rates stable. This will give families real options — not just the expensive bare-bones state plan — even in high-risk ZIP codes. It’s a smart way to rebuild access without driving up costs. Learn more

For too long, homeowners have been left in the dark about the wildfire risk models that drive their premiums. I’ll require insurance companies to open the books — publishing how they calculate risk, how they set prices, and how they decide whether to renew your policy. I’ll also push for an independent expert panel to review those models every year and ensure fairness across communities. Learn more

I’ll push for clear, public explanations anytime insurance rates rise — and I’ll hold companies accountable for tying price increases directly to actual risk, not just profit margins. I’ll fight to cap excessive year-over-year rate hikes and make sure mitigation efforts lead to meaningful savings for consumers. Learn more

I’ll work with scientists, firefighters, engineers, and local leaders to create a clear, evidence-based checklist of the most effective ways to reduce fire and flood risk. Every insurance company will be required to honor this standard in how they price and renew policies. We’ll make it simple, science-backed, and built to save lives and lower bills. Learn more

I’ll build up our team with climate scientists, actuaries, and data experts who can keep up with a fast-changing insurance market. We’ll create a public-facing dashboard where you can see where coverage is shrinking, what companies are charging, and how well they’re serving your community. Accountability starts with information. Learn more

We need a system that encourages and rewards prevention. I’ll make sure that when families take action to reduce their risk — whether that’s upgrading their roofs or retrofitting against earthquakes — they get real, guaranteed premium discounts. No more vague promises from insurers. I’ll partner with cities and counties to help fund upgrades and make these changes affordable for all Californians. Learn more

Legislation

We need to strengthen the FAIR Plan so it works for people, not just for paperwork. I’ll require the FAIR Plan to help policyholders complete wildfire safety upgrades — and offer support, not punishment, for doing so. At the same time, we’ll set a goal to get families off the FAIR Plan and back into the regular market through real reforms and expanded access. Learn more