California home insurance in January 2026: what changed

Published January 6, 2026. From Department of Insurance announcements, rate filings and bulletins, and the California FAIR Plan, checked every day. Our data

ASI (Progressive): +31.9% homeowners rate change approved.

Rate changes the state approved

• ASI (Progressive): +31.9% homeowners rate change approved Hos program; requested +40.0%. January 6, 2026 · Source

Where the market stands

• 665,368 residential policies on the California FAIR Plan (September 2026), an estimated 7.4% of insured homes, and 2.8 times as many as in 2021. The FAIR Plan's own average premium for an owner-occupied home: about $3,000 a year, fire only, before the Oct 15, 2026 rate increase.
• 532 of 1,719 ZIP codes are rated Hardest to insure (an estimated 15% or more of homes on the FAIR Plan); the hardest: Cedarpines Park 92322 (83%), Topanga 90290 (81%), Silverado 92676 (81%), Crestline 92325 (79%), Twin Peaks 92391 (78%).
• Large insurers taking new customers: Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty, PURE (high-value homes), MS Transverse (new entrant). Closed to new: State Farm General, Allstate.
• Active wildfire moratoriums: Gann Fire (until August 6, 2027); Gifford Fire (until December 23, 2026); Pack Fire (until December 9, 2026).

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