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Cal. Insurance Code § 286 (2026)

✓ current as of May 2026
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An interest in property insured must exist when the insurance takes effect, and when the loss occurs, but need not exist in the meantime; an interest in the life or health of a person insured must exist when the insurance takes effect, but need not exist thereafter or when the loss occurs.

Notes of Decisions
Cited in 13 cases (4 in the last 5 years), 1961–2026 · leading case: Sun Life Assurance Co. of Canada v. Wells Fargo Bank NA (080669) (Statewide), 208 A.3d 839 (N.J. 2019).
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Sun Life Assurance Co. of Canada v. Wells Fargo Bank NA (080669) (Statewide), 208 A.3d 839 (N.J. 2019). “" See Cal. Ins. Code § 286 . The United States District Court for the Central District of California relied on that provision in rejecting a challenge to several life insurance policies in Lincoln National Life Insurance Co.”
Int'l Serv. Ins. v. Gonzales, 194 Cal. App. 3d 110 (Cal. Ct. App. 1987). · cites it 3× “(Cal. Ins. Code, § 286; [7] Osborne v. Security Ins.”
People v. Von Villas, 92 Cal. Daily Op. Serv. 8558 (Cal. Ct. App. 1992). “” (Ins. Code, § 286.) “Every stipulation in a policy of insurance for the payment of loss whether the person insured has or has not any interest in the property insured, or that the policy shall be received as proof of such interest, is void.”
Van Curen v. Great Am. Ins. (In Re Hat), 363 B.R. 123 (Bankr. E.D. Cal. 2007). “” Cal. Ins.Code § 286 (West 2005). “If the insured has no insurable interest, the contract is void.”
Warner v. Fire Ins. Exch., 91 Cal. Daily Op. Serv. 4193 (Cal. Ct. App. 1991). “Insurance Code section 280 provides, “If the insured has no insurable interest, the contract is void.”
Greco v. Oregon Mut. Fire Ins., 191 Cal. App. 2d 674 (Cal. Ct. App. 1961). “The claim that Greco’s insurable interest was limited to $1,000 is based on the fact that Flickinger has paid him all but that amount on his, Greco’s, note and trust deed.”
2004 Stuart Moldaw Trust v. XE L.I.F.E., LLC, 642 F. Supp. 2d 226 (S.D.N.Y. 2009). “2d 86 (quoting Cal. Ins.Code § 286; emphasis in original).”
Wells Fargo Bank, N.A. v. Am. Nat'l Ins. Co, 493 F. App'x 838 (9th Cir. 2012). “Cal. Ins. Code § 286 ; Cal. Ins.Code § 10130.”
Est. of Russel Mechling v. U.S. Bank Nat'l Ass'n (D. Conn. 2025). · cites it 2× “” Cal. Ins. Code § 286 ; see also Cal. Ins.”
Ameritas Life Ins. Corp. v. Wilmington Trust, Nat'l Ass'n (9th Cir. 2026). · cites it 2× “In California, a life insurance policy is void if the policyholder lacks an insurable interest in the insured when the policy “takes effect” or “becomes effective,” Cal.”
Plesnik v. Those Certain Underwriters at Lloyd's London CA2/5 (Cal. Ct. App. 2016). “(Ins. Code, § 286; Liberty Mut. Fire Ins. Co.”
Est. of Harold Barsky v. Wilmington Trust Co. (E.D. Pa. 2021). “” Cal. Ins. Code § 286 . The code also states, An individual has an unlimited insurable interest in his or her own life, health, and bodily safety and may lawfully take out a policy of insurance on his or her own life, health, or bodily safety and have the policy made payable to…”
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