California › Los Angeles County › West Covina › 91790
West Covina, CA 91790
Home insurance outlook
Updated October 26, 2026 · tracking 1,719 ZIP codes and California's largest insurers
Insurable, but shop early: some carriers have pulled back here.
FAIR Plan policies here grew 53% since 2021, from 167 to 255, roughly 3% of insured homes.
Very High fire hazardHighFEMA flood zoneCAL FIRE 2023–2025 maps; FEMA NFHL. Tap a zone for details.
Key numbers
| 91790 | Los Angeles Co. | California | |
|---|---|---|---|
| FAIR Plan policies | 255 | 1.5× the 2021 count; about 3% of insured homes (used for the rating); county 1.9×, state 2.8× | |
| FAIR Plan premium, average | $386 | $2,341 | $3,001 |
| Land in a FEMA high-risk flood zone | None | 3 federal flood policies in force here; 17 of 278 ZIP codes in Los Angeles County are 10%+ flood zone | |
| Typical home value | $825K | +1.0% in a year, as of September 2026 | |
Official FAIR Plan counts and premiums from the California FAIR Plan Association, June 2026 (fire-only policies on owner-occupied homes; the share is our estimate against the state's 2022 count of insured homes); flood zones and policy counts from FEMA; home values from Zillow. Sources
What do these mean?
- FAIR Plan
- California's insurer of last resort, for homes no private company will cover. A high share means private insurers have mostly left the area. Statewide about 8% of insured homes, 2.8× the count in 2021. The FAIR Plan covers fire only and costs more than a normal policy.
- Flood zone
- FEMA's "Special Flood Hazard Area" is the 100-year floodplain, where lenders require flood insurance. Share of the ZIP code's land, not its homes. Levee-protected areas (Sacramento, Stockton) can show a low share and still carry real risk, so we also show how many federal flood policies are in force.
FAIR Plan policies by year
| As of | FAIR policies here | Change | Los Angeles County | California |
|---|---|---|---|---|
| June 2026 | 255 | +2% | 155,514 | 665,607 |
| Sept 2025 | 250 | +37% | 147,666 | 620,991 |
| Sept 2024 | 182 | +26% | 108,468 | 449,624 |
| Sept 2023 | 145 | -5% | 87,285 | 320,385 |
| Sept 2022 | 153 | -8% | 81,530 | 265,733 |
| Sept 2021 | 167 | – | 81,279 | 236,386 |
Official California FAIR Plan Association, residential policies in force.
Who's taking new customers
California FAIR Plan last resort, fire onlyAlways available
Can't turn a home down for its location. Covers fire; pair it with a "difference in conditions" policy for theft, water and liability. Sold through any licensed broker, not direct. Average FAIR premium in 91790: $386/yr.
Farmers Fire areas 15.4% of CATaking new customers
Writing new policies statewide; removed its monthly cap on new homeowners policies in November 2025. Latest rate change: +1.5% (May 11, 2026).
Mercury 7.4% of CATaking new customers
Writing new policies; first insurer approved under the state's new rules, with the largest commitment.
CSAA (AAA Northern California) Fire areas 6.5% of CATaking new customers
Writing new policies for members; approved under the new rules in December 2025.
USAA Fire areas 6.1% of CATaking new customers
Members only; approved under the new rules and expanding access from January 2027. Latest rate change: +6.9% (February 6, 2026).
California Casualty Fire areas 0.6% of CATaking new customers
Committed to grow in California; a 6.9% rate change was approved in February 2026. Latest rate change: +6.9% (February 17, 2026).
Pacific Specialty 0.5% of CATaking new customers
Committed to grow in California; approved with a 6.8% rate change effective July 2026. Latest rate change: +6.8% (February 6, 2026).
PURE (high-value homes) Taking new customers
Expanding in California for high-value homes now in the non-admitted market or on the FAIR Plan.
MS Transverse (new entrant) Taking new customers
New insurer approved for California homeowners, effective July 2026.
Auto Club of Southern California (AAA) 6.6% of CAExpansion pending
Filed in April 2026 to expand coverage under the new rules; under state review. Latest rate change: +3.3% (September 30, 2026).
Liberty Mutual / Safeco 5.5% of CAExpansion pending
Asked the state in July 2026 to expand in distressed areas with no rate increase; pending.
Travelers 4.0% of CAExpansion pending
Joined the new rules voluntarily in April 2026, saying it will expand availability statewide; pending.
State Farm General 20.1% of CAClosed to new
Not taking new homeowners applications since May 2023; has asked to reopen for wildfire-prepared homes. Latest rate change: +17.0% (September 3, 2026).
Allstate 5.8% of CAClosed to new
No new policies since November 2022; filed in September 2026 to reopen.
American Family 4.1% of CANo statement
No public statement about new policies under the state's new rules.
Fire areas = on the state's list of companies that may write in higher fire risk areas in 91790. The state lists 45 companies for homeowners here; also on its fire-areas list:
- California Automobile Insurance CompanyCall 800-503-3724
- Horace Mann Insurance CompanyCall 800-999-1030
- Mapfre Insurance CompanyCall 877-627-3731
See all 45 and local agents on the state's list
Official California Department of Insurance, Home Insurance Finder, checked October 25, 2026. The state notes listed companies may not be accepting new business; call to confirm.
Official Status from Department of Insurance announcements, as of October 23, 2026; phone numbers from the Department's residential insurer contact list. Statewide status; every insurer still underwrites each home. Listing isn't a recommendation. Tip: an independent broker can quote several of these at once. State lookup of agents in 91790 · All insurers
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Common questions about home insurance in West Covina 91790
Can you still get home insurance in West Covina 91790?
West Covina (91790) is rated Harder to insure as of October 26, 2026. Insurable, but shop early: some carriers have pulled back here. FAIR Plan policies here grew 53% since 2021, from 167 to 255, roughly 3% of insured homes.
How many homes in West Covina 91790 are on the FAIR Plan?
255 homes in 91790 have a California FAIR Plan policy, about 3% of insured homes, 1.5 times the 2021 count. Statewide it is about 8%. The FAIR Plan is the insurer of last resort for homes private insurers will not cover.
How much does the FAIR Plan cost in West Covina 91790?
The average FAIR Plan premium on an owner-occupied home in 91790 is $386 a year (2026), compared with $2,341 across Los Angeles County. The FAIR Plan covers fire only, so most owners add a separate "difference in conditions" policy for theft, water damage and liability.
Is West Covina 91790 in a flood zone?
Almost none of 91790 is in a FEMA high-risk flood zone, and 3 federal flood insurance policies are in force here. Lenders require flood insurance for homes inside the zone; regular home insurance does not cover floods.
Can my insurer drop me in West Covina 91790?
Generally, yes. There is no wildfire moratorium in 91790 right now, so an insurer can non-renew a policy with at least 75 days' written notice under California law. If you get a notice, compare quotes early and keep the FAIR Plan as a backup.
Which insurers are taking new customers near West Covina 91790?
As of October 23, 2026, these large insurers say they are taking new home insurance customers in California: Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty. Each still decides home by home. An independent broker can quote several at once, and the FAIR Plan is always available.
Updated October 26, 2026 from the sources above. General information, not insurance or legal advice.
More: the FAIR Plan explained · who's writing in California · buying in a fire zone · all guides