California › Updates

California home insurance updates

Insurers opening or closing, approved rate changes, new moratoriums and FAIR Plan updates. Checked every day, last on October 26, 2026. Get them the day they happen

October 2026

FAIR Plan FAIR Plan rates up 29.1% on averageThe Department of Insurance approved the increase (the FAIR Plan asked for 35.8%) for new and renewing policies starting October 15, 2026. Higher-risk homes see more; some lower-risk homes see decreases. October 15, 2026. Source

September 2026

Rate Auto Club of Southern California (AAA): +3.3% homeowners rate change approvedHomeowners program; requested +3.3%. September 30, 2026. Source
Insurer State Farm General: not taking new policiesNot taking new homeowners applications since May 2023; has asked to reopen for wildfire-prepared homes. September 18, 2026. Source
Rate State Farm General: +17.0% homeowners rate change approvedHomeowners - Non-Tenant program; requested +30.0%. September 3, 2026. Source

August 2026

Moratorium Non-renewal moratorium: Gann FireInsurers can't cancel or non-renew homes in 22 ZIP codes until August 6, 2027. August 6, 2026. Source

July 2026

Insurer PURE (high-value homes): taking new policiesExpanding in California for high-value homes now in the non-admitted market or on the FAIR Plan. July 23, 2026. Source
Insurer MS Transverse (new entrant): taking new policiesNew insurer approved for California homeowners, effective July 2026. July 13, 2026. Source
Insurer Liberty Mutual / Safeco: plans to reopenAsked the state in July 2026 to expand in distressed areas with no rate increase; pending. July 13, 2026. Source
Insurer USAA: taking new policiesMembers only; approved under the new rules and expanding access from January 2027. July 13, 2026. Source

May 2026

Rate Farmers: +1.5% homeowners rate change approvedFarmers Next Generation® Homeowners program; requested +7.0%. May 11, 2026. Source
Insurer Travelers: plans to reopenJoined the new rules voluntarily in April 2026, saying it will expand availability statewide; pending. May 1, 2026. Source

April 2026

Insurer Auto Club of Southern California (AAA): plans to reopenFiled in April 2026 to expand coverage under the new rules; under state review. April 30, 2026. Source

February 2026

Rate California Casualty: +6.9% homeowners rate change approvedHomeowners & Dwelling Property program; requested +6.9%. February 17, 2026. Source
Rate USAA: +6.9% homeowners rate change approvedRequested +6.9%. February 6, 2026. Source
Rate Pacific Specialty: +6.8% homeowners rate change approvedPreferred program; requested +6.8%. February 6, 2026. Source

From the California Department of Insurance and the California FAIR Plan. Department of Insurance announcements are read automatically, so check the source link before relying on a detail. Insureability does not recommend insurers.

Insureability plans · start free

Checking is free. Get warned the day it changes.

Insurers pull out, rates get approved and moratoriums start all the time in California. Insureability tells you the day it happens, so you're never the last to know.

Get started Free account

$0 · just an email

Same-day alerts and a weekly update on 1 ZIP code
5 address checks a month
Share or save 5 reports a month
1 client report with your name, to try

Most popular · for agents & lenders Pro

$29/month

Never lose a deal to insurance.

Unlimited address checks: know before every offer or listing
50 client reports a month with your name, logo and contact info, always up to date (see one)
Same-day alerts on 25 ZIP codes you work: insurers opening or leaving, rate hikes, moratoriums
Listing watch: a heads-up when anything changes for a client's home
Monday market digest and a branded area summary for your newsletter and socials
300 questions and 30 document explanations a month with Shirley, our assistant

Saves one deal and it's paid for itself for years.

Try Pro free for 14 days Or $290 a year: 2 months free

For offices & teams Team

$99/month

Everything in Pro for up to 10 agents
Unlimited client reports and ZIP codes for every agent
Each agent signs in on their own phone, with their own name on reports
One bill for the office; add or remove agents by email

Less than $10 per agent.

Try Team free for 14 days Or $990 a year: 2 months free

Pro and Team: 14 days free, then billed monthly or yearly. Cancel anytime; refunds within 7 days of a charge. Compare plans