About Who Will Insure

What this is

Who Will Insure is an independent, data-driven guide to home insurance in California — built for homeowners who’ve been non-renewed, cancelled, or priced out and need to understand their options fast.

Type in a California address and Who Will Insure shows which insurers are likely to write your home, the typical filed premium range for your county, and the FAIR Plan + Difference in Conditions (DIC) fallback — every figure traced to a public source. Built entirely on public data. There is an optional help-request form: it is emailed to a person at Who Will Insure, not routed automatically, and nothing is sponsored. No sponsored rankings, no pay-to-play placement.

What this is not

• Not quotes. Figures are estimates derived from public filings and published statistics — not offers of coverage. Only a licensed agent or broker can quote you.
• Not insurance advice.Who Will Insure is an information resource. It doesn’t recommend carriers or tell you what to buy.
• Not a broker.We never sell, quote, or bind coverage. When you’re ready for quotes, a person at Who Will Insure may introduce you to a licensed broker if you ask for help. Introductions never affect the carrier likelihood scores, and no payment for them is published or promised.

Methodology

Carrier likelihoodis a deliberately transparent, inspectable linear model — not an opaque machine-learning black box. It estimates the chance a carrier would write a given risk from public signals only: hard eligibility gates (does the product exist for this property at all), each carrier’s macro status (open, limited, re-entering, or closed to new business), its Sustainable Insurance Strategy (SIS) commitment interacted with whether your area is CDI-distressed, a wildfire-hazard penalty scaled by the carrier’s revealed hazard tolerance, and local market-retreat signals (county FAIR Plan policy level and growth). The result is a probability that maps to a likelihood tier with human-readable reasons. A “likely to write” score reflects appetite signals — not a guarantee of an offer. Carrier appetite changes; the model is designed to be re-computed as the underlying public data refreshes.

Premium figures.County median premiums come from the California Department of Insurance Insurance Code §12959 residential rate survey (filed sample premiums for a standard home) — these are labeled ACTUAL. The address-level premium bands in the map are ILLUSTRATIVE: modeled from the statewide average with hazard and occupancy multipliers, pending full CDI Premium Survey and SERFF filed-rate integration. Filed rates are what carriers submitted to the state; your actual quote will differ based on your home’s characteristics, discounts, and the carrier’s current underwriting.

FAIR Plan figures(policy counts, average premiums) are from the California FAIR Plan’s published key statistics and are shown as ACTUAL. The DIC “wrap” cost is an ILLUSTRATIVE range, labeled as such everywhere it appears.

Wildfire zone designationsuse the CAL FIRE / Office of the State Fire Marshal Fire Hazard Severity Zone (FHSZ) maps — the regulatory tier, not any carrier’s proprietary wildfire score.

Everything the model does is spelled out on the map’s Sources & methods panel, and every weight has a documented data-driven upgrade path.

Data freshness

Insurance data goes stale. Every figure on Who Will Insure carries a “data as of” date, and sources are re-reviewed on a fixed cadence. Sources were last reviewed 2026-09-30.

If an approved rate change isn’t yet reflected in our data, we flag it prominently rather than letting old numbers speak for themselves. The current example: the California Department of Insurance approved an average 29.1% FAIR Plan rate increase that took effect October 15, 2026, and the FAIR Plan premium figures shown today still reflect pre-increase rates — see FAIR Plan cost & rate increases.

Who runs this

Who Will Insure is published by Decentralized, Inc., a Delaware corporation. It is an independent resource built entirely on public data, not affiliated with any insurer, broker, or the California Department of Insurance. It carries no advertising in its rankings and takes no payment to place or rank a carrier. Independence is the credential here: the method and every source are published so you can check the work yourself.

Contact

Corrections, data questions, and legal inquiries: contact@whowillinsure.com.

Corrections policy

If you spot a figure that looks wrong, tell us. We verify against the primary source and correct confirmed errors promptly, noting the correction date.