The coverage map · California

Who still writes home insurance in California

Carrier-by-carrier status for new California home business in 2026, covering who paused, who exited, and who is expanding. Every row is dated and sourced from regulator or carrier records. This page carries no partner links.

Updated . Statuses change; the date on each row is the fact’s vintage.

The FAIR Plan, the state’s insurer of last resort, held 684,388 policies and about $750 billion in exposure by March 2026. A 29.1 percent average dwelling rate increase takes effect October 15, 2026, and the dwelling limit is $3 million as of 2026. California law requires at least 75 days’ notice before a residential non-renewal (Insurance Code section 678). After the January 2025 Palisades and Eaton fires, a one-year moratorium barred cancellations in affected ZIP codes through January 7, 2026, and the FAIR Plan absorbed an estimated $4 billion in losses, triggering a $1 billion assessment on the state’s insurers.

CarrierNew home business?The record
State Farm General (#1 in CA)PausedNo new home applications since May 27, 2023. March 2026 settlement keeps existing policies in force through the end of 2026.
AllstatePausedPaused since November 2022. Has signaled a return under the state’s new pricing rules; no approved filing confirmed as of May 2026.
FarmersOpenMonthly cap raised to 9,500 in December 2024, then removed entirely on November 21, 2025 under a new rating plan.
MercuryOpen, expandingOne of the first two carriers approved under catastrophe-model pricing, December 2025. Also absorbed Tokio Marine’s California personal lines book in 2024.
CSAA (AAA Northern California)Open, expandingThe other first catastrophe-model approval, December 2025.
ChubbRestrictedShrinking high-value wildfire-exposed business since 2021. No announced reversal.
Tokio Marine / Trans PacificExitedHomeowners and umbrella withdrawal filed April 2024; Mercury assumed the book.
Liberty Mutual / SafecoExited condo and rentersStopped new condo and renters policies January 1, 2025; non-renewing the remainder during 2026.

The California notice window

If your carrier drops you, California requires at least 75 days’ notice before expiration under Insurance Code section 678. That window is the real shopping clock a dropped homeowner gets. The Uninsurable America files track what happens inside it.

Sources

Every figure on this page traces to the records below, with the data vintage stated in the table.

  1. State Farm General pause since May 27, 2023. source.
  2. March 2026 California settlement: refunds, no block non-renewals through 2026. source.
  3. Allstate pause and possible return. source.
  4. Farmers removes California new-business cap, November 21, 2025. source.
  5. Mercury and CSAA first catastrophe-model approvals, December 2025. source.
  6. Tokio Marine and Trans Pacific California exit, April 2024. source.
  7. Chubb restriction and Safeco condo-renters exit. source.
  8. California FAIR Plan 684,388 policies, $750 billion exposure, March 2026. source.
  9. FAIR Plan 29.1 percent increase effective October 15, 2026. source.
  10. FAIR Plan $3 million dwelling limit, 2026. source.
  11. FAIR Plan fire losses about $4 billion; $1 billion assessment. source.
  12. California 75-day notice, Insurance Code section 678. source.
  13. Palisades and Eaton moratorium, Bulletin 2025-1. source.