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Is Mercury writing home insurance in California?
Taking new customers As of October 23, 2026; checked every day
Writing 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.
Commitment in wildfire-distressed areas: More than 6,000 new policies over two years (about 2,000 of them in distressed areas, per the filing); 38,000+ long term.
- Size: 7.4% of California homeowners premium (2025).
- Phone: 800-956-3728 · Website
Official Source (December 20, 2025). Rate changes from the Department of Insurance's approved-filings list.
What this means for you
Mercury 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
- Farmers: Writing new policies statewide; removed its monthly cap on new homeowners policies in November 2025.
- 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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