Is Pacific Specialty writing home insurance in California?

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

Committed to grow in California; approved with a 6.8% rate change effective July 2026.

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

• Size: 0.5% of California homeowners premium (2025).
• Latest approved rate change: +6.8% on February 6, 2026, Preferred program. An average across its policyholders; yours can differ.
• Phone: 800-303-5000 · Website

Official Source (December 20, 2025). Rate changes from the Department of Insurance's approved-filings list.

What this means for you

Pacific Specialty 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.
• 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.
• 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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