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California home insurance guides
Straight answers to the questions Californians ask most, with numbers that update every day from the Department of Insurance, the FAIR Plan, CAL FIRE and FEMA.
- Who's still writing home insurance in California (October 2026)Which big insurers are taking new customers, which are closed, and who's about to reopen.
- California FAIR Plan (October 2026): what it covers, what it costs, how to get off itThe state's insurer of last resort, in plain English, with current costs by area.
- Why California home insurance went up, and how to lower yoursWhat's driving premiums, the rate increases the state approved, and what actually lowers the price.
- Safer from Wildfires: the discounts California insurers must giveThe home-hardening steps every insurer must credit, and the FAIR Plan's own list.
- Buying a home in a California fire zone: the insurance checklistWhat to check before your offer and before contingencies come off.
- FAIR Plan companion (DIC) policy: what it covers and how to get oneThe second policy most FAIR Plan homes need for theft, water and liability.
- California wildfire moratoriums (October 2026): which ZIP codes are protectedWhere insurers can't non-renew homes right now, by fire and ZIP code.
- Non-renewal vs. cancellation in California: the notice rulesHow much notice your insurer must give, and when it can end a policy mid-term.
- Got a non-renewal letter? The step-by-step playbookDeadlines, who to call, the FAIR Plan and what lowers the price.
- The 100 hardest California ZIP codes to insureRanked by the share of homes on the FAIR Plan.
Insureability is not an insurance company, agency or broker and doesn't recommend insurers. General information, not insurance or legal advice.