Guides

What home insurance costs in Los Angeles County, from the state's filed-rate data — median premium, typical range, and how the FAIR Plan compares.

Exactly what the California FAIR Plan covers and excludes, its dwelling coverage limits, and why you need a DIC policy to fill the gaps in liability, water, and theft.

Farmers is writing new California business and committed to the Sustainable Insurance Strategy, but has non-renewed some higher-risk policies. Here's what that means and what to do.

What CAL FIRE's Fire Hazard Severity Zones are, how your zone affects insurance availability and price, and how to check the zone for your address.

Malibu's coastal canyons are among California's highest wildfire-hazard areas. Here's how home insurance works there — the standard market, the FAIR Plan + DIC fallback, and what it costs.

What California homeowners actually pay per month for home insurance, using the state's filed-rate data — typical ranges by county, and why the FAIR Plan costs more.

Home insurance around Lake Tahoe and Truckee depends on which county you're in. Here are the filed costs and FAIR Plan penetration for El Dorado, Placer, and Nevada counties.

Napa and Sonoma have moderate standard-market premiums but some of California's highest FAIR Plan costs. Here's the filed data and what it means for coverage.

Paradise and Butte County remain high wildfire-hazard areas. Here's how home insurance works there now — the standard market, the FAIR Plan + DIC fallback, and county filed costs.

A step-by-step guide to getting California FAIR Plan coverage: who qualifies, how to apply through a broker, what you'll need, and how to pair it with a DIC policy.

State Farm General stopped writing new California home policies and has non-renewed many existing ones. Here's what's happening and your step-by-step options if you're affected.

A current rundown of which California home insurers are writing new business, writing selectively, or closed — plus the carriers committed to the state's Sustainable Insurance Strategy.

California's Safer from Wildfires framework requires insurers to give discounts for specific wildfire mitigation. Here's what counts, how to document it, and how it can restore your coverage options.

What homeowners insurance actually costs across California, using the state's own filed-rate data — median premiums by county for a $625,000 home, plus how the FAIR Plan compares.

The California FAIR Plan is the state's insurer of last resort for homeowners who can't get fire coverage on the open market. Here's what it covers, what it costs by county, and the DIC policy you need alongside it.

If your California home insurance was non-renewed or cancelled, here's the step-by-step fallback: re-shop the admitted market, use the FAIR Plan + DIC, and reduce wildfire risk to get writable again.

The FAIR Plan only covers fire. A DIC (Difference in Conditions) policy fills the rest. Here's how FAIR + DIC compares to a standard admitted homeowners policy on coverage and cost.