California home insurance in July 2026: what changed
Published July 23, 2026. From Department of Insurance announcements, rate filings and bulletins, and the California FAIR Plan, checked every day. Our data
4 insurer status changes.
Insurers opening and closing
- PURE (high-value homes): taking new policies Expanding in California for high-value homes now in the non-admitted market or on the FAIR Plan. July 23, 2026 · Source
- MS Transverse (new entrant): taking new policies New insurer approved for California homeowners, effective July 2026. July 13, 2026 · Source · MS Transverse (new entrant) in California
- Liberty Mutual / Safeco: plans to reopen Asked the state in July 2026 to expand in distressed areas with no rate increase; pending. July 13, 2026 · Source · Liberty Mutual / Safeco in California
- USAA: taking new policies Members only; approved under the new rules and expanding access from January 2027. July 13, 2026 · Source · USAA in California
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.