California home insurance in March 2026: what changed
Published March 27, 2026. From Department of Insurance announcements, rate filings and bulletins, and the California FAIR Plan, checked every day. Our data
Cincinnati Insurance: +35.0% homeowners rate change approved; State Farm settles its emergency rate request. In all: 1 approved rate change and 2 other announcements.
Rate changes the state approved
- Cincinnati Insurance: +35.0% homeowners rate change approved Homeowner program; requested +35.0%. March 10, 2026 · Source
Other announcements
- Study: rebuilding LA to wildfire standards could cut fire losses by a third A state and NAIC study found rebuilding Palisades and Eaton fire areas to the Wildfire Prepared Home standard could reduce projected wildfire losses by one-third on average. March 27, 2026 · Source
- State Farm settles its emergency rate request The Department of Insurance, Consumer Watchdog and State Farm agreed on a settlement of State Farm's emergency rate increase, pending a judge's review. March 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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