[5] Insurance types regulated by Proposition 103 are: Personal automobile, dwelling fire, earthquake, homeowners, inland marine, and umbrella; Commercial aircraft, automobile, boiler and machinery, burglary and theft, business owners, earthquake, farm owners, some fidelity, fire, glass, inland marine, medical malpractice, miscellaneous, multi-peril, other liability, professional liability, special multi-peril, umbrella, and coverage under the Longshore and Harbor Workers' Compensation Act.

Members of the public or organizations can observe or may attend the hearing and request to be heard, submit written comments or present live testimony.

Attorney fees can be reimbursed when written comments are submitted that "make a substantial contribution within the time frame in the notice".

103 were run at no cost by TV stations only due to the fairness doctrine in place at the time, with some equal-time ads.

These ads were in response to the tens of millions of dollars being spent by the insurance industry, which also used large direct-mail campaigns, coordinated by consultant Clint Reilly, who acknowledged the efforts against Prop.

Reich wrote "But Proposition 103 campaign chairman Harvey Rosenfield suggested that if the insurance industry was in trouble with the public, it had only itself to blame.

"[12] In the aftermath of the devastating January 2025 Southern California wildfires, Steven Greenhut of the R Street Institute harshly criticized Proposition 103 for pushing the state's property insurance system to the brink of collapse by imposing a "byzantine" system of price controls which had already caused most insurers to flee the state because it was impossible for them to earn a profit.

[15] Kelsey Piper of Vox identified those price controls as one of several examples of incompetent governance before and during the wildfires that were leading Californians to the sinking realization that "no matter how bad things get, the real grown-ups can’t be called in to save the day because they don’t exist".