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California voters will choose between two Democrats with differing visions for the state’s troubled insurance market when they elect a new insurance commissioner this November.
Jane Kim, a former San Francisco supervisor, and Ben Allen, a state senator representing the West Los Angeles region, advanced to the run-off after neither candidate won a majority of the votes in the June primary election.
A recent poll showed Kim has nearly 25% of respondents supported Kim while 18% supported Allen. Despite the appearance of Kim’s solid lead, more than 57% of the 1,000 people surveyed said they are undecided.
Kim and Allen both seem to agree a major overhaul is needed in California’s insurance system, especially after California has experienced devastating disasters, including wildfires and flooding. But they have a different approach to fixing the current insurance system.
One of Kim’s key policy proposals is creating a single-payer disaster insurance system, modeled after programs in New Zealand, Spain and France. While homeowners are free to purchase private policies, the state would provide a guaranteed — automatic and universal — home disaster insurance policy, under Kim’s plan.
But critics said Kim’s proposal does not specify how costly and realistic it would be for the state government to operate such a system. Others also worry Kim’s plans would further drive out insurers from California.
Allen, whose home was affected in the 2025 Palisades Fire, has a different approach than Kim: the state senator wants to reform the existing insurance system to bring insurers back to California.
To make the current model work, Allen wants to “modernize rate-setting,” the process insurers use to calculate premiums based on expected claims, risk factors, operating costs and regulatory requirements. He also wants to make California less vulnerable to future disasters by expanding consumer protections and supporting wildfire-resilient homes and communities.
However, Allen’s proposals may make him look like the establishment, not being tough enough on insurers. Critics worry that Allen’s plans would favor insurers over Californians, who have struggled with policy cancelations and high premiums.
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Kim is endorsed by progressive leaders, such as U.S. Senator Bernie Sanders, labor leader David Huerta and outgoing Lt. Gov. Eleni Kounalakis.
Allen’s supporters include U.S. senators Adam Schiff and Alex Padilla as well as California Assembly Speaker Robert Rivas.
California voters will choose between two Democrats with differing visions for the state's troubled insurance market when they elect a new insurance commissioner this November.
Jane Kim, a former San Francisco supervisor, and Ben Allen, a state senator representing the West Los Angeles region, advanced to the run-off after neither candidate won a majority of the votes in the June primary election.
A recent poll showed Kim has nearly 25% of respondents supported Kim while 18% supported Allen. Despite the appearance of Kim's solid lead, more than 57% of the 1,000 people surveyed said they are undecided.
Kim and Allen both seem to agree a major overhaul is needed in California's insurance system, especially after California has experienced devastating disasters, including wildfires and flooding. But they have a different approach to fixing the current insurance system.
Jane Kim, a former San Francisco Supervisor, is Bernie Sanders’ choice for insurance commissioner. She shares what her plan would be to ensure coverage for homeowners is affordable and comprehensive.
One of Kim's key policy proposals is creating a single-payer disaster insurance system, modeled after programs in New Zealand, Spain and France. While homeowners are free to purchase private policies, the state would provide a guaranteed -- automatic and universal -- home disaster insurance policy, under Kim's plan.
But critics said Kim's proposal does not specify how costly and realistic it would be for the state government to operate such a system. Others also worry Kim's plans would further drive out insurers from California.
Sen. Ben Allen, who is a candidate for California insurance commissioner, talks about what his focus would be if elected.
Allen, whose home was affected in the 2025 Palisades Fire, has a different approach than Kim: the state senator wants to reform the existing insurance system to bring insurers back to California.
To make the current model work, Allen wants to "modernize rate-setting," the process insurers use to calculate premiums based on expected claims, risk factors, operating costs and regulatory requirements. He also wants to make California less vulnerable to future disasters by expanding consumer protections and supporting wildfire-resilient homes and communities.
However, Allen's proposals may make him look like the establishment, not being tough enough on insurers. Critics worry that Allen's plans would favor insurers over Californians, who have struggled with policy cancelations and high premiums.
Kim is endorsed by progressive leaders, such as U.S. Senator Bernie Sanders, labor leader David Huerta and outgoing Lt. Gov. Eleni Kounalakis.
Allen's supporters include U.S. senators Adam Schiff and Alex Padilla as well as California Assembly Speaker Robert Rivas.