Home insurance companies in California

Where the big insurers stand

The companies that insure most California homes, and whether they're taking new customers, from Department of Insurance announcements and the companies' own statements. As of October 23, 2026.

• State Farm General 20.1% of California homeowners premiumNot taking new homeowners applications since May 2023; has asked to reopen for wildfire-prepared homes. In September 2026 State Farm filed to resume new applications for homes with the IBHS Wildfire Prepared Home 'Enhanced' designation statewide, and the base designation in low/moderate hazard areas, subject to normal underwriting. Pending state review; press reports a December 2026 start if approved. Existing customers: a 17% rate increase took effect June 2025, with a moratorium on cancellations and non-renewals extended through at least 2026 as part of a March 2026 settlement. Latest rate change: +17.0% approved September 3, 2026 (asked +30%), Homeowners - Non-Tenant program. Source (September 18, 2026)
  Closed to new
• Farmers 15.4% of California homeowners premiumWriting new policies statewide; removed its monthly cap on new homeowners policies in November 2025. Farmers never fully stopped: it capped new policies at 7,000 a month in 2023, raised that to 9,500 in December 2024, and removed the cap in November 2025. Its rating plan approved in May 2026 commits it to market directly to at least 300,000 consumers in distressed areas; news reports from the filing put the commitment at about 5,600 new distressed-area policies over two years. Applicants must meet underwriting. Distressed-area commitment: Several thousand new policies in distressed areas over two years (press: about 5,600). Latest rate change: +1.5% approved May 11, 2026 (asked +7%), Farmers Next Generation® Homeowners program. Source (May 12, 2026)
  Taking new customers
• Mercury 7.4% of California homeowners premiumWriting new policies; first insurer approved under the state's new rules, with the largest commitment. Approved December 2025 with a 6.9% average rate change effective July 2026. The Department says Mercury committed to more than 38,000 new policies long term, starting with more than 6,000 over two years, particularly in wildfire-distressed areas and by taking homes off the FAIR Plan. Offers wildfire-mitigation discounts of up to a third of the wildfire portion of the premium. Distressed-area commitment: More than 6,000 new policies over two years (about 2,000 of them in distressed areas, per the filing); 38,000+ long term. Source (December 20, 2025)
  Taking new customers
• CSAA (AAA Northern California) 6.5% of California homeowners premiumWriting new policies for members; approved under the new rules in December 2025. 6.9% average rate change effective March 2026. CSAA says it already exceeds the required share in distressed areas and will offer quotes to some members now on the FAIR Plan. Home-hardening discount up to 12.5%; homes with the IBHS Wildfire Prepared Home designation that meet other conditions get a renewal guarantee of at least three years. Distressed-area commitment: Maintain writing in distressed areas; offer quotes to some FAIR Plan members. No new-policy number published. Source (December 20, 2025)
  Taking new customers
• Auto Club of Southern California (AAA) 6.6% of California homeowners premiumFiled in April 2026 to expand coverage under the new rules; under state review. Requested a 6.9% overall rate change. No policy numbers published. Latest rate change: +3.3% approved September 30, 2026, Homeowners program. Source (April 30, 2026)
  Expansion pending
• USAA 6.1% of California homeowners premiumMembers only; approved under the new rules and expanding access from January 2027. 6.9% overall rate change approved in 2026. The Department says USAA will expand access to homeowners insurance for more military members and their families across California effective January 2027. No policy count published. Distressed-area commitment: Expand access statewide from January 2027; no number published. Latest rate change: +6.9% approved February 6, 2026. Source (July 13, 2026)
  Taking new customers
• Allstate 5.8% of California homeowners premiumNo new policies since November 2022; filed in September 2026 to reopen. Allstate's filing under the new rules signals a return to new business. News reports from the filing describe a minimum of about 2,000 new policies in distressed areas by July 2029 tied to a 1.4% rate change. Pending state review; the Department says it will push for a more aggressive reopening. Distressed-area commitment: About 2,000 new policies in distressed areas by July 2029 (press). Source (September 1, 2026)
  Closed to new
• Liberty Mutual / Safeco 5.5% of California homeowners premiumAsked the state in July 2026 to expand in distressed areas with no rate increase; pending. Would grow through independent agents and brokers once approved. No policy numbers published. The Liberty Mutual brand stopped new condo and renters policies in late 2023. Distressed-area commitment: Expand in distressed areas; no number published. Source (July 13, 2026)
  Expansion pending
• Travelers 4.0% of California homeowners premiumJoined the new rules voluntarily in April 2026, saying it will expand availability statewide; pending. Requested a 2.7% rate change and says it will increase new policies and explore taking homes off the FAIR Plan. Larger discounts for ember-resistant vents, Class A roofs and defensible space. Distressed-area commitment: Increase new policies statewide; no number published. Source (May 1, 2026)
  Expansion pending
• American Family 4.1% of California homeowners premiumNo public statement about new policies under the state's new rules.
  No statement
• Chubb 2.0% of California homeowners premiumNo public statement about new policies under the state's new rules.
  No statement
• Nationwide 1.4% of California homeowners premiumNo public statement about new policies under the state's new rules.
  No statement
• Pacific Specialty 0.5% of California homeowners premiumCommitted to grow in California; approved with a 6.8% rate change effective July 2026. Distressed-area commitment: Grow in California; no number published. Latest rate change: +6.8% approved February 6, 2026, Preferred program. Source (December 20, 2025)
  Taking new customers
• California Casualty 0.6% of California homeowners premiumCommitted to grow in California; a 6.9% rate change was approved in February 2026. Distressed-area commitment: Grow in California; no number published. Latest rate change: +6.9% approved February 17, 2026, Homeowners & Dwelling Property program. Source (December 20, 2025)
  Taking new customers
• PURE (high-value homes)Expanding in California for high-value homes now in the non-admitted market or on the FAIR Plan. Source (July 23, 2026)
  Taking new customers
• MS Transverse (new entrant)New insurer approved for California homeowners, effective July 2026. Source (July 13, 2026)
  Taking new customers

Official Rate changes come from the Department of Insurance's approved-filings list and weekly public-notice list, homeowners lines only. We check them every day; the state updates them weekly.

Every licensed company

This is the state's list, not ours, and it is not a recommendation. A company on it may still decline a particular home or ZIP code. To see which companies and agents say they'll quote in a specific ZIP code, use the state's own lookup: Home Insurance Finder.

Official California Department of Insurance, Residential Insurance Contact List. "Renewals only" means the company told the state it isn't taking new customers.