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  "id": "ca-ins-code-1063-1",
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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"
  },
  "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 1063.1 (California Insurance Guarantee Association: definitions, including covered claims)",
  "publisher": "California Legislature, California Legislative Information (leginfo)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=1063.1",
  "officialHost": true,
  "sourceType": "statute",
  "authorityLevel": "primary-law",
  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Amended by the California Legislature from time to time; verify the current text on leginfo before relying on it.",
  "status": "active",
  "supportsClaims": [
    {
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      "checksum": "051d46c4467d",
      "text": "The section opens with the phrase 'As used in this article', so the definitions in it are stated for purposes of the California Insurance Guarantee Association article of the Insurance Code and not as general definitions."
    },
    {
      "claimId": "ca-ins-code-1063-1#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-1063-1#c2",
      "checksum": "8c1ff9713a74",
      "text": "Covered claims do not include that portion of a claim, other than a claim for workers' compensation benefits, that is in excess of five hundred thousand dollars ($500,000)."
    },
    {
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      "text": "The section provides that a claim for damage to, or loss of, a dwelling structure under a policy of residential property insurance shall not exceed one million dollars ($1,000,000) or the amount recoverable under the policy, whichever is less."
    },
    {
      "claimId": "ca-ins-code-1063-1#c4",
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      "text": "The paragraph containing the one hundred dollar floor opens with an exception: 'Covered claims,' except in cases involving a claim for workers' compensation benefits or for unearned premiums, does not include a claim in an amount of one hundred dollars ($100) or less, or the portion of a claim that is in excess of the applicable limits provided in the insurance policy issued by the insolvent insurer. The workers' compensation and unearned premium exception governs that whole paragraph."
    },
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      "checksum": "285b30a82464",
      "text": "Covered claims do not include an obligation of the insolvent insurer arising from a policy or contract of insurance issued or renewed before the insolvent insurer's admission to transact insurance in the State of California."
    }
  ],
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    {
      "kind": "Question",
      "title": "Why can two insurance policies with the same limit protect differently?",
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  "citation": {
    "text": "California Legislature, California Legislative Information (leginfo). \"California Insurance Code Section 1063.1 (California Insurance Guarantee Association: definitions, including covered claims).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=1063.1 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-1063-1, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-1063-1",
    "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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}