Is Farmers writing home insurance in California?

Taking new customers As of October 23, 2026; checked every day

Writing 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.

Commitment in wildfire-distressed areas: Several thousand new policies in distressed areas over two years (press: about 5,600).

• Size: 15.4% of California homeowners premium (2025).
• Latest approved rate change: +1.5% on May 11, 2026 (it asked for +7.0%), Farmers Next Generation® Homeowners program. An average across its policyholders; yours can differ.
• Higher fire risk areas: the state's Home Insurance Finder lists it among companies that may write in higher fire risk areas in every California ZIP code. Each home is still underwritten on its own.
• Phone: 800-974-6755 · Website

Official Source (May 12, 2026). Rate changes from the Department of Insurance's approved-filings list.

What this means for you

Farmers says it's writing new policies, but it still decides home by home. Call to ask about your address, or have an independent broker quote it alongside others.

Other insurers taking new customers

• Mercury: Writing new policies; first insurer approved under the state's new rules, with the largest commitment.
• CSAA (AAA Northern California): Writing new policies for members; approved under the new rules in December 2025.
• USAA: Members only; approved under the new rules and expanding access from January 2027.
• California Casualty: Committed to grow in California; a 6.9% rate change was approved in February 2026.
• Pacific Specialty: Committed to grow in California; approved with a 6.8% rate change effective July 2026.
• PURE (high-value homes): Expanding in California for high-value homes now in the non-admitted market or on the FAIR Plan.

Every large insurer, side by side: who's still writing home insurance in California. For your ZIP code, including smaller companies: look it up.

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