Homeowners' Insurance Availability Act of 2005

Referred to the Subcommittee on Housing and Community Opportunity.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Feb 16, 2005

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.

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People & committees

Who introduced it

Rep. Brown-Waite, Ginny [R-FL-5] · R–FL

Committees

Financial Services Committee

19 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

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
Feb 16, 2005
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Feb 16, 2005 Formatted Text PDF

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Aug 15, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.846 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.846, 109th Congress: Homeowners' Insurance Availability Act of 2005

Official record: https://www.congress.gov/bill/109th-congress/house-bill/846

Text version to examine: Introduced in House · 2005-02-16.

Official full text: https://www.congress.gov/109/bills/hr846/BILLS-109hr846ih.htm

Imported record last updated by the source: 2025-08-15T17:56:46Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.846 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.846 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.R.846, 109th Congress: Homeowners' Insurance Availability Act of 2005

Official record: https://www.congress.gov/bill/109th-congress/house-bill/846

Text version to examine: Introduced in House · 2005-02-16.

Official full text: https://www.congress.gov/109/bills/hr846/BILLS-109hr846ih.htm

Imported record last updated by the source: 2025-08-15T17:56:46Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.846 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.846 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.846, 109th Congress: Homeowners' Insurance Availability Act of 2005

Official record: https://www.congress.gov/bill/109th-congress/house-bill/846

Text version to examine: Introduced in House · 2005-02-16.

Official full text: https://www.congress.gov/109/bills/hr846/BILLS-109hr846ih.htm

Imported record last updated by the source: 2025-08-15T17:56:46Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.846 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.846 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.846, 109th Congress: Homeowners' Insurance Availability Act of 2005

Official record: https://www.congress.gov/bill/109th-congress/house-bill/846

Text version to examine: Introduced in House · 2005-02-16.

Official full text: https://www.congress.gov/109/bills/hr846/BILLS-109hr846ih.htm

Imported record last updated by the source: 2025-08-15T17:56:46Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.846 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.