Homeowners insurance availability in California
California homeowners face the largest availability crunch in the country by exposure: FAIR Plan policies grew 152% between September 2022 and March 2026, and regulators have used mandatory post-disaster moratoriums to pause non-renewals in fire-affected counties.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
| Carrier | Status | As of | Notes |
|---|---|---|---|
| State Farm | Paused | 2024-03-20 | |
| Allstate | Paused | 2022-11-03 | |
| Farmers Insurance | Writing | 2025-11-21 | |
| Mercury Insurance | Writing | 2025-12-20 | |
| CSAA (AAA) | Writing | 2025-12-20 |
Steady, no change tracked
USAA · Liberty Mutual · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Progressive · Kin Insurance
Insurer of last resort
684,388 policies in force
+6% since September 2025, +152% since September 2022. Total exposure $750B (+242% since Sept 2022). Written premium $2.02B. New business Oct 2025 - Mar 2026: 98,677 policies (monthly average 16,466). County, ZIP, and wildfire-risk-score breakdowns published quarterly.
As of 2026-03-31 · source · full series on the FAIR Plan tracker · compared coast to coast on California vs Florida
Tracked activity in California
Settlement reached on State Farm emergency interim rate request
The Department of Insurance, Consumer Watchdog, and State Farm reached a settlement agreement on State Farm’s prior emergency interim rate request.
Source: California Department of Insurance press release · verified 2026-07-02
Legislation announced to transform the California FAIR Plan
Commissioner Lara and Assemblymember Calderon announced legislation aimed at transforming the California FAIR Plan, the state insurer of last resort.
Source: California Department of Insurance press release · verified 2026-07-02
CDI orders one-year non-renewal moratorium for Gifford Fire counties
Commissioner Lara announced mandatory protection covering nearly 150,000 policyholders in Kern, Santa Barbara, San Luis Obispo, and Ventura counties from non-renewal following the Gifford Fire.
Source: California Department of Insurance press release · verified 2026-07-02
Mercury commits to 38,000+ new California homeowners policies
CDI approved Mercury Insurance rate filings under the Sustainable Insurance Strategy; Mercury committed to increasing its California policy count by more than 38,000 new policies long-term, starting with more than 6,000 over the next two years, focused on wildfire-distressed areas.
Source: California Department of Insurance alert · verified 2026-07-02
CSAA approved to keep writing under the Sustainable Insurance Strategy
CDI approved a Sustainable Insurance Strategy rate filing from CSAA, the state’s fifth largest homeowners insurer, with commitments supporting continued writing and longer-term plans to help move homeowners off the FAIR Plan.
Source: California Department of Insurance alert · verified 2026-07-02
Farmers removes its cap on new California homeowners policies
Farmers Insurance eliminated its monthly cap on new homeowners policies in California, previously 9,500 per month, effective immediately, and submitted a new rating plan under the Sustainable Insurance Strategy.
Source: Farmers Insurance newsroom · verified 2026-07-02
Mercury submits first rate filing under the Sustainable Insurance Strategy
Mercury Insurance submitted the first homeowners rate filing under the Sustainable Insurance Strategy, using the newly reviewed wildfire catastrophe model, with a 6.9% average rate increase and a stated goal of expanding options in high wildfire-risk regions.
Source: Mercury Insurance newsroom · verified 2026-07-02
CDI mandatory one-year non-renewal moratorium for LA wildfire ZIP codes
Commissioner Lara amended the moratorium bulletin to shield homes within or adjoining the perimeters of the Palisades, Eaton, Hurst, Lidia, Sunset, and Woodley fires from non-renewal or cancellation for one year from the January 7, 2025 emergency declaration, regardless of loss.
Source: California Department of Insurance press release · verified 2026-07-02
State Farm General to non-renew about 30,000 California property policies
State Farm General announced non-renewal of approximately 30,000 homeowners, rental dwelling, and other property policies beginning July 3, 2024, plus about 42,000 commercial apartment policies beginning August 20, 2024, together just over 2% of its California policy count.
Source: State Farm newsroom · verified 2026-07-02
State Farm General stops accepting new property applications in California
State Farm General announced it would cease accepting new applications for all business and personal lines property and casualty insurance in California effective May 27, 2023, citing construction cost inflation, catastrophe exposure, and reinsurance costs.
Source: State Farm newsroom · verified 2026-07-02
Allstate pauses new homeowners and condo policies in California
Allstate disclosed with its Q3 2022 results that it had stopped writing new homeowners, condo, and commercial policies in California, citing wildfire risk, construction costs, and reinsurance costs. Existing policyholders were not affected.
Source: Insurance Journal · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The California non-renewal playbook