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HR 846 109th Congress House

Homeowners' Insurance Availability Act of 2005

Official title: To establish a Federal program to provide reinsurance to improve the availability of homeowners' insurance.

Introduced: February 16, 2005 See on congress.gov
Finance and Financial Sector Apartment housesAuctionsAuditingBuilding laws
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CommerceCondominium (Housing)CongressCongressional investigationsCongressional reporting requirementsCooperative housingDisaster insuranceEarthquakesEconomics and Public FinanceEmergency ManagementFederal advisory bodiesFiresFloodsGovernment Operations and PoliticsGovernment liability
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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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 21, 2005
Referred to the Subcommittee on Housing and Community Opportunity.
Feb 16, 2005
Referred to the House Committee on Financial Services.
Feb 16, 2005
Introduced in House
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 Latest action March 21, 2005

Referred to the Subcommittee on Housing and Community Opportunity.

 Plain-English summary Congressional Research Service

Homeowners' Insurance Availability Act of 2005 - Instructs the Secretary of the Treasury to implement a reinsurance coverage program available only through contracts for reinsurance coverage purchased at regional auctions.

States that the purpose of the program is to improve: (1) the availability of homeowners' insurance for the purpose of facilitating the pooling, and spreading the risk, of catastrophic financial losses from disasters; and (2) the solvency of the homeowners' insurance markets.

Prescribes implementation guidelines that include establishment: (1) in the Treasury of the Disaster Reinsurance Fund; and (2) of a National Commission on Catastrophe Risks and Insurance Loss Costs.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 5
All 5 Democratic 3 Republican 1
R
Diaz-Balart, Mario
Florida · Sep 22, 2005
DIAZ-BALART, LINCOLN
· Mar 3, 2005
 D
Larsen, Rick
Washington · Feb 16, 2005
 D
Sherman, Brad
California · Feb 16, 2005
 D
Wasserman Schultz, Debbie
Florida · Feb 16, 2005
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 846: Homeowners' Insurance Availability Act of 2005. 109th Congress. Open America. https://openamerica.io/bill/109-HR-846/
MLA
"H.R. 846: Homeowners' Insurance Availability Act of 2005." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-HR-846/.
Bluebook (legal)
H.R. 846, 109th Cong. (2026), https://openamerica.io/bill/109-HR-846/.
Markdown link
[H.R. 846: Homeowners' Insurance Availability Act of 2005](https://openamerica.io/bill/109-HR-846/)
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