Insureability: California home insurance changeshttps://getinsureability.com/news/Insurers opening or closing, approved rate changes, FAIR Plan changes and wildfire moratoriums in California, from state records checked daily.FAIR Plan rates up 29.1% on averagehttps://getinsureability.com/news/2026-10/fairplan:2026-10-15:FAIR Plan rates up 29.1% on averageThu, 15 Oct 2026 00:00:00 +0000The Department of Insurance approved the increase (the FAIR Plan asked for 35.8%) for new and renewing policies starting October 15, 2026. Higher-risk homes see more; some lower-risk homes see decreases.Auto Club of Southern California (AAA): +3.3% homeowners rate change approvedhttps://getinsureability.com/news/2026-09/rate:2026-09-30:Auto Club of Southern California (AAA): +3.3% homeowners rate change approvedWed, 30 Sep 2026 00:00:00 +0000Homeowners program; requested +3.3%.State Farm General: not taking new policieshttps://getinsureability.com/news/2026-09/insurer:2026-09-18:State Farm General: not taking new policiesFri, 18 Sep 2026 00:00:00 +0000Not taking new homeowners applications since May 2023; has asked to reopen for wildfire-prepared homes.State Farm General: +17.0% homeowners rate change approvedhttps://getinsureability.com/news/2026-09/rate:2026-09-03:State Farm General: +17.0% homeowners rate change approvedThu, 03 Sep 2026 00:00:00 +0000Homeowners - Non-Tenant program; requested +30.0%.Non-renewal moratorium: Gann Firehttps://getinsureability.com/news/2026-08/moratorium:2026-08-06:Non-renewal moratorium: Gann FireThu, 06 Aug 2026 00:00:00 +0000Insurers can't cancel or non-renew homes in 22 ZIP codes until August 6, 2027.PURE (high-value homes): taking new policieshttps://getinsureability.com/news/2026-07/insurer:2026-07-23:PURE (high-value homes): taking new policiesThu, 23 Jul 2026 00:00:00 +0000Expanding in California for high-value homes now in the non-admitted market or on the FAIR Plan.MS Transverse (new entrant): taking new policieshttps://getinsureability.com/news/2026-07/insurer:2026-07-13:MS Transverse (new entrant): taking new policiesMon, 13 Jul 2026 00:00:00 +0000New insurer approved for California homeowners, effective July 2026.Liberty Mutual / Safeco: plans to reopenhttps://getinsureability.com/news/2026-07/insurer:2026-07-13:Liberty Mutual / Safeco: plans to reopenMon, 13 Jul 2026 00:00:00 +0000Asked the state in July 2026 to expand in distressed areas with no rate increase; pending.USAA: taking new policieshttps://getinsureability.com/news/2026-07/insurer:2026-07-13:USAA: taking new policiesMon, 13 Jul 2026 00:00:00 +0000Members only; approved under the new rules and expanding access from January 2027.Farmers: +1.5% homeowners rate change approvedhttps://getinsureability.com/news/2026-05/rate:2026-05-11:Farmers: +1.5% homeowners rate change approvedMon, 11 May 2026 00:00:00 +0000Farmers Next Generation® Homeowners program; requested +7.0%.Travelers: plans to reopenhttps://getinsureability.com/news/2026-05/insurer:2026-05-01:Travelers: plans to reopenFri, 01 May 2026 00:00:00 +0000Joined the new rules voluntarily in April 2026, saying it will expand availability statewide; pending.Auto Club of Southern California (AAA): plans to reopenhttps://getinsureability.com/news/2026-04/insurer:2026-04-30:Auto Club of Southern California (AAA): plans to reopenThu, 30 Apr 2026 00:00:00 +0000Filed in April 2026 to expand coverage under the new rules; under state review.California Casualty: +6.9% homeowners rate change approvedhttps://getinsureability.com/news/2026-02/rate:2026-02-17:California Casualty: +6.9% homeowners rate change approvedTue, 17 Feb 2026 00:00:00 +0000Homeowners & Dwelling Property program; requested +6.9%.USAA: +6.9% homeowners rate change approvedhttps://getinsureability.com/news/2026-02/rate:2026-02-06:USAA: +6.9% homeowners rate change approvedFri, 06 Feb 2026 00:00:00 +0000Requested +6.9%.Pacific Specialty: +6.8% homeowners rate change approvedhttps://getinsureability.com/news/2026-02/rate:2026-02-06:Pacific Specialty: +6.8% homeowners rate change approvedFri, 06 Feb 2026 00:00:00 +0000Preferred program; requested +6.8%.