Is State Farm General writing home insurance in California?

Closed to new As of October 23, 2026; checked every day

Not 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.

• Size: 20.1% of California homeowners premium (2025).
• Latest approved rate change: +17.0% on September 3, 2026 (it asked for +30.0%), Homeowners - Non-Tenant program. An average across its policyholders; yours can differ.
• Phone: 800-782-8332 · Website

Official Source (September 18, 2026). Rate changes from the Department of Insurance's approved-filings list.

What this means for you

If you're already insured with State Farm General, keep that policy as long as it renews: it's hard to replace in many areas. If you need a new policy, look at insurers that are writing now, below, or have an independent broker shop several.

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.

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