California home insurance in September 2026: what changed
Published September 30, 2026. From Department of Insurance announcements, rate filings and bulletins, and the California FAIR Plan, checked every day. Our data
1 insurer status change and 2 approved rate changes.
Insurers opening and closing
- State Farm General: not taking new policies Not taking new homeowners applications since May 2023; has asked to reopen for wildfire-prepared homes. September 18, 2026 · Source · State Farm General in California
Rate changes the state approved
- Auto Club of Southern California (AAA): +3.3% homeowners rate change approved Homeowners program; requested +3.3%. September 30, 2026 · Source
- State Farm General: +17.0% homeowners rate change approved Homeowners - Non-Tenant program; requested +30.0%. September 3, 2026 · Source · State Farm General 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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