residential property insurance; fire; underwriting

HB 2819 requires Arizona's insurance department to annually compile and publicly post detailed data about residential property insurers on its website. This includes premiums charged, coverage denials (by zip code and reason), policy lapses, claims paid, and fire protection rating scores tied to premiums. The bill also mandates that insurers file underwriting guidelines with the department, which must be actuarily justified, reasonable, and non-discriminatory. These provisions directly affect residential property insurers (including fire and homeowner's policies) by increasing transparency for consumers and regulators.