Californians are facing rising insurance premiums, sudden cancellations, wildfire threats, and shrinking coverage options, leaving families and small businesses vulnerable.
Robert aims to restore the Insurance Commissioner’s role as a true watchdog by holding companies accountable, increasing transparency, and prioritizing consumers.
Protecting Homeowners
California families are dealing with soaring premiums, sudden cancellations, and shrinking options in high-risk areas. Robert Howell will restore balance, accountability, and fairness to a market that has forgotten its responsibility to homeowners.
Robert will:
• Hold insurers accountable for unfair cancellations and hidden fees
• Guarantee a clear path to coverage for homeowners who take wildfire-mitigation steps
• Require insurers to provide real notice and documented reasons before nonrenewing a policy
• Stop companies from penalizing families for asking questions or filing legitimate claims
• Increase transparency by requiring public reporting of cancellation and nonrenewal data
Accountability and Reform
The Insurance Commissioner must be independent and honest. The office has drifted away from the people it serves and become too close to the industries it oversees. Robert will bring a watchdog mentality back to the job.
Robert will:
• Combat insider influence and industry favoritism
• Restore transparency with regular public hearings and accessible reporting
• Put property owners, small businesses, and consumers at the center of every major decision
Stronger Consumer Protections
Insurance is supposed to protect people in moments of crisis, not create new ones. Robert believes homeowners and small businesses deserve clear information, fair treatment, and honest pricing.
Robert will:
• Require insurers to share every version of loss estimates during the claims process
• Preserve the strongest parts of Proposition 103, including oversight of rate increases
• Support the authority to order refunds when consumers are overcharged
• Protect the rights of Californians in underserved and high-risk communities
Wildfire Preparedness and Prevention
Wildfires are no longer seasonal. They are a constant threat to entire communities. California needs a plan that focuses on prevention, mitigation, and real coordination rather than political posturing. Robert will support policies that strengthen safety and reduce risk before disaster strikes.
Robert will:
• Expand resources for prevention, home hardening, and community fire-safe programs
• Encourage modern technology, early detection tools, and proactive inspections
• Support responsible fuel-reduction strategies that protect vulnerable neighborhoods
• Ensure homeowners receive clear guidance and a reasonable time to complete required safety upgrades
Supporting Small Businesses
Small businesses are struggling with rising premiums, limited coverage options, and delays that threaten their survival. Robert understands these challenges because he has lived them.
Robert will:
• Streamline the approval process for business coverage
• Ensure insurers treat small businesses fairly and consistently
• Promote stability and predictability so businesses can operate with confidence