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Homeowners Insurance Protection Act of 2005

Introduced: July 20, 2006 See on congress.gov
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This bill died when the 109th Congress ended
It never became law before the 109th Congress (2005–2006) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 17, 2005
Referred to the House Committee on Financial Services.
Nov 17, 2005
Introduced in House
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 Plain-English summary Congressional Research Service

Homeowners Insurance Protection Act of 2005 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage.

Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility.

Requires each contract for reinsurance coverage to provide insurance coverage against residential property losses to homes, including condominium and cooperative ownership, and the contents of apartment buildings. Cites covered perils.

Prescribes a minimum level of retained losses and maximum federal liability.

Establishes the Consumer Hurricane, Earthquake, Loss Protection (HELP) Fund to: (1) make payments to covered purchasers under contracts for reinsurance coverage for eligible losses; and (2) pay for Commission operating costs and reinsurance program administrative expenses.

Directs the Comptroller General to study the national flood insurance program and hurricane-related flooding.

What's happening now November 17, 2005

Referred to the House Committee on Financial Services.

 Related & companion bills 1
  • S 3117 Related bill Homeowners Protection Act of 2006
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 9
All 9 Democratic 2 Republican 2
R
Calvert, Ken
California · Sep 25, 2006
BOYD, ALLEN
· Sep 7, 2006
GORDON, BART
· Sep 7, 2006
Meek, Kendrick
· Jul 26, 2006
 D
Meeks, Gregory W.
New York · Jul 24, 2006
Bean, Melissa
· Jul 20, 2006
 D
Case, Ed
Hawaii · Jun 15, 2006
DIAZ-BALART, LINCOLN
· Apr 27, 2006
 R
Diaz-Balart, Mario
Florida · Mar 9, 2006
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4366: Homeowners Insurance Protection Act of 2005. 109th Congress. Open America. https://openamerica.io/bill/109-HR-4366/
MLA
"H.R. 4366: Homeowners Insurance Protection Act of 2005." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-HR-4366/.
Bluebook (legal)
H.R. 4366, 109th Cong. (2026), https://openamerica.io/bill/109-HR-4366/.
Markdown link
[H.R. 4366: Homeowners Insurance Protection Act of 2005](https://openamerica.io/bill/109-HR-4366/)
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