The bill would give property insurers federal backup for very large disaster losses. Insurers would pay into a Treasury-run fund, and the program would phase in coverage for wind, hurricanes, storms, wildfires, floods, and possibly earthquakes.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
INSURE Act is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on S. 2349: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: This bill mainly affects people and businesses in places where disasters make property insurance hard to find or expensive. It also affects insurers that sell home or business property coverage, because they would have to meet program rules to receive federal backup. State insurance offices, federal financial agencies, lenders, banks, and consumer groups would also have roles in the program or its oversight.
Why this matters: Big disasters can push insurers to raise prices or leave risky areas, and this bill tries to make that less likely. It would put a federal backup behind some extreme losses while making insurers pay into a fund first. The bill could help stabilize insurance markets, but it could also expose the federal government to large costs if disasters overwhelm the fund.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: INSURE Act
The bill would give property insurers federal backup for very large disaster losses. Insurers would pay into a Treasury-run fund, and the program would phase in coverage for wind, hurricanes, storms, wildfires, floods, and possibly earthquakes.
Use this page to support, oppose, or ask Congress to amend S2349. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (7/17/2025)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to INSURE Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S2349, your stance, and the reasons you choose, then lets you edit and send when ready.
