Which insurers are still writing home insurance in California? (2026)
Published
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.
The headlines make it sound like everyone has left California. They haven't — but the market has reshaped. Here's who's writing new business, who's selective, and who's closed, as of 2026.
Key takeaways
- Many large carriers committed to the state's Sustainable Insurance Strategy (SIS) and are writing new business, with a pledge to cover more homes in higher-risk areas.
- A few carriers are selective or re-entering; one major carrier (State Farm) is closed to new business.
- Availability is an estimate — it varies by address, wildfire risk, and the week. Always verify with a licensed broker.
Actively writing (and SIS-committed)
These admitted carriers are open to new California home business and signed onto the Sustainable Insurance Strategy, which ties expanded writing to higher-risk areas:
- Farmers Insurance
- Mercury Insurance
- CSAA (AAA NorCal)
- Auto Club (AAA SoCal)
- USAA — membership is limited to the military community
- Travelers
- Pacific Specialty
- California Casualty — affinity groups (educators, first responders, nurses, public employees)
- Horace Mann — educators and school employees
Re-entering
- Allstate — re-entering the California market under the Sustainable Insurance Strategy.
Writing selectively
- Liberty Mutual — writing selectively.
- Chubb — focused on higher-value homes.
Closed to new business
- State Farm — stopped new California homeowner applications in May 2023; renewals only for most. See what to do if State Farm non-renewed you.
What this means for you
"Open" statewide doesn't guarantee a carrier will write your home — appetite depends heavily on your wildfire risk. The practical approach:
- Check which carriers are likely to write your address and your county's filed premiums.
- Work with a broker who handles high-risk California homes.
- If no admitted carrier will write you, fall back to the FAIR Plan + a DIC policy — see how to apply.
Where the admitted market has retreated most, the FAIR Plan now insures a striking share of homes — over 40% in some Sierra foothill counties. That's the clearest signal of where availability is tightest.
This is general information, not legal or insurance advice, and not a quote. Carrier statuses 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.
Frequently asked
Which insurance companies are still writing home insurance in California?
Several admitted carriers committed to the state's Sustainable Insurance Strategy continue to write new business, including Farmers, Mercury, CSAA, the Auto Club, USAA, Travelers, Pacific Specialty, California Casualty, and Horace Mann. Allstate is re-entering. Availability depends on your address and wildfire risk.
What insurers write in high fire-risk areas of California?
Carriers committed to the Sustainable Insurance Strategy agreed to write more policies in distressed, higher-risk areas. Even so, appetite varies by address — and where no admitted carrier will write, the FAIR Plan is the backstop.
Is State Farm writing new policies in California?
No. State Farm General stopped accepting new California homeowner applications in May 2023 and writes renewals only for most policyholders.
Next step
Check your exact address and see the FAIR Plan + DIC fallback. When you’re ready to shop, a licensed California broker can compare carriers for you. We provide estimates only — never quotes.
Check your address or find consumer help from the California Department of Insurance