California home insurance in April 2026: what changed

Published April 30, 2026. From Department of Insurance announcements, rate filings and bulletins, and the California FAIR Plan, checked every day. Our data

Auto Club of Southern California (AAA): plans to reopen.

Insurers opening and closing

• Auto Club of Southern California (AAA): plans to reopen Filed in April 2026 to expand coverage under the new rules; under state review. April 30, 2026 · Source

Where the market stands

• About 665,607 California homes are on the FAIR Plan (June 2026), roughly 7.5% of insured homes and 2.8× the 2021 count; average FAIR Plan premium $3,001 a year (fire only).
• 514 of 1,719 ZIP codes are rated Hardest to insure (15% or more of homes on the FAIR Plan); the hardest: Cedarpines Park 92322 (81%), Silverado 92676 (80%), Topanga 90290 (78%), Crestline 92325 (77%), Twin Peaks 92391 (76%).
• 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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Insureability is not an insurance company, agency or broker and doesn't recommend insurers. Department of Insurance announcements are read automatically; check the source link before relying on a detail.