Farmers Insurance in California: non-renewals and your options

Farmers is one of the carriers still actively writing in California — but "writing" statewide doesn't mean "writing every home." If Farmers non-renewed yours, here's the context and your plan.

Key takeaways

• Farmers is open to new California home business and is committed to the state's Sustainable Insurance Strategy.
• It has still non-renewed some policies in higher wildfire-risk areas — appetite depends on the specific address.
• If you're affected: re-shop, line up FAIR + DIC, document mitigation, and don't lapse.

Where Farmers stands

Unlike State Farm General — which closed to new business — Farmers continues to write new California policies and signed onto the Sustainable Insurance Strategy, the state's deal to expand coverage in distressed areas. But it manages wildfire exposure address by address, so non-renewals still happen in the riskiest spots. See the Farmers carrier page for its current status and where its filed premiums appear.

If you've been non-renewed

1. Don't let coverage lapse — keep your current policy until a replacement is bound.
2. Re-shop the admitted market. A broker who handles high-risk California homes may place you with Farmers again at a different rate, or with another carrier. Check which insurers are likely to write your address and your county's typical premiums.
3. Line up the FAIR Plan + DIC in parallel as a backstop — see how to apply and what DIC adds.
4. Document wildfire mitigation (defensible space, Class-A roof, ember-resistant vents) — it earns credit under "Safer from Wildfires" and can change a decline into an offer.
5. Re-shop every renewal as the market re-opens.

Who else is writing

Several SIS-committed carriers continue to write — Mercury, CSAA, the Auto Club, USAA, and Travelers among them. See which insurers are still writing in California.

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This is general information, not legal or insurance advice, and not a quote. Carrier actions are summarized from California Department of Insurance and public reporting and change frequently. Who Will Insure provides estimates and referrals to licensed brokers, and never sells or binds coverage.