Is USAA writing home insurance in California?

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

Members only; approved under the new rules and expanding access from January 2027.

6.9% overall rate change approved in 2026. The Department says USAA will expand access to homeowners insurance for more military members and their families across California effective January 2027. No policy count published.

Commitment in wildfire-distressed areas: Expand access statewide from January 2027; no number published.

• Size: 6.1% of California homeowners premium (2025).
• Latest approved rate change: +6.9% on February 6, 2026. 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: 800-531-8722 · Website

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

What this means for you

USAA 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.
• 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.

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