Can you get home insurance in San Luis Obispo?

All 2 of its ZIP codes are rated Harder to insure. About 5% of insured homes are on the FAIR Plan, the state's insurer of last resort. Private insurers are still writing in much of California; each decides home by home, and the California FAIR Plan is the backup if none will.

Which San Luis Obispo ZIP code is hardest to insure?

93405, with about 7% of insured homes on the FAIR Plan. The easiest is 93401, at about 5%.

How much is the FAIR Plan in San Luis Obispo?

The average FAIR Plan premium for an owner-occupied home in San Luis Obispo is about $4,641 a year, for fire coverage only (California FAIR Plan Association, June 2026). Most owners add a separate policy for theft, water damage and liability.

Is San Luis Obispo under a wildfire moratorium?

Yes, in 93401, 93405 until December 23, 2026: insurers can't non-renew homes there for wildfire risk until then.

California › San Luis Obispo County › San Luis Obispo

Home insurance in San Luis Obispo, CA

2 ZIP codes · updated October 26, 2026

All 2 of its ZIP codes are rated Harder to insure. Across San Luis Obispo, about 5% of insured homes are on the FAIR Plan, the state's insurer of last resort, 6.2 times the 2021 count.

Wildfire moratorium: insurers can't non-renew homes for wildfire risk in 93401, 93405 until December 23, 2026. How moratoriums work

	San Luis Obispo	San Luis Obispo Co.	California
Homes on the FAIR Plan	5%	5%	8%
FAIR Plan policies	749 (6.2× since 2021)	4,858	665,607
FAIR Plan premium, average	$4,641	$4,148	$3,001
ZIP codes mostly in a Very High fire zone	0 of 2	3 of 21	291 of 1,719

Official FAIR Plan counts and premiums from the California FAIR Plan Association (June 2026; premium is fire-only, owner-occupied homes); fire zones from CAL FIRE. Sources

Every San Luis Obispo ZIP code, hardest first

ZIP code	On FAIR Plan	FAIR Plan premium	Very High fire	Outlook
93405	7%	$3,907	41%	Harder
93401	5%	$5,203	30%	Harder

Fire zones and flood zones differ house to house. Check a San Luis Obispo address for the zones at the house itself.

Who's taking new customers

These large insurers say they're writing new homeowners policies in California (statewide; each decides home by home): Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty, PURE (high-value homes), MS Transverse (new entrant). Each ZIP code page above lists the companies the state shows for that ZIP code, with phone numbers. Who's still writing in California.

Common questions about home insurance in San Luis Obispo

Can you get home insurance in San Luis Obispo?: All 2 of its ZIP codes are rated Harder to insure. About 5% of insured homes are on the FAIR Plan, the state's insurer of last resort. Private insurers are still writing in much of California; each decides home by home, and the California FAIR Plan is the backup if none will.
Which San Luis Obispo ZIP code is hardest to insure?: 93405, with about 7% of insured homes on the FAIR Plan. The easiest is 93401, at about 5%.
How much is the FAIR Plan in San Luis Obispo?: The average FAIR Plan premium for an owner-occupied home in San Luis Obispo is about $4,641 a year, for fire coverage only (California FAIR Plan Association, June 2026). Most owners add a separate policy for theft, water damage and liability.
Is San Luis Obispo under a wildfire moratorium?: Yes, in 93401, 93405 until December 23, 2026: insurers can't non-renew homes there for wildfire risk until then.

Updated October 26, 2026. General information, not insurance or legal advice. Insureability is not an insurance company, agency or broker and doesn't recommend insurers.

Guides: the FAIR Plan explained · buying in a fire zone · got a non-renewal?