Is Liberty Mutual / Safeco writing home insurance in California?

Expansion pending As of October 23, 2026; checked every day

Asked 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.

Commitment in wildfire-distressed areas: Expand in distressed areas; no number published.

• Size: 5.5% of California homeowners premium (2025).
• Phone: 800-332-3226 · Website

Official Source (July 13, 2026). Rate changes from the Department of Insurance's approved-filings list.

What this means for you

Until Liberty Mutual / Safeco says more, treat it as uncertain for new policies. Current customers keep renewing under their policy's terms. Ask an agent, or look at insurers that are writing now.

Other insurers taking new customers

• Farmers: Writing new policies statewide; removed its monthly cap on new homeowners policies in November 2025.
• 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.

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

Insureability is not an insurance company, agency or broker and doesn't recommend insurers. Listing a company isn't a recommendation.