Who Will Insure

California · address checker

Which home insurers are likely to write your address?

Enter your county, wildfire hazard zone, and a few property details to see which California home insurers are likely to write your address, an illustrative premium range for each, and the FAIR Plan + DIC fallback if admitted carriers decline. Built entirely from public data — estimates, not quotes.

Check your address

MODELED ESTIMATE

Your browser looks the address up directly with Esri and public agency maps. We never receive or store it.

Not sure? Find your zone.

Likely to write

Pacific SpecialtyopenSIS$1,900–$3,200/yr
Why
  • Actively writing new CA business
  • SIS-committed under Sustainable Insurance Strategy
  • Moderate FHSZ reduces appetite
Mercury InsuranceopenSIS$1,900–$3,200/yr
Why
  • Actively writing new CA business
  • SIS-committed under Sustainable Insurance Strategy
  • Moderate FHSZ reduces appetite
Farmers InsuranceopenSIS$1,900–$3,200/yr
Why
  • Actively writing new CA business
  • SIS-committed under Sustainable Insurance Strategy
  • Moderate FHSZ reduces appetite
CSAA (AAA NorCal)openSIS$1,900–$3,200/yr
Why
  • Actively writing new CA business
  • SIS-committed under Sustainable Insurance Strategy
  • Moderate FHSZ reduces appetite
Auto Club (AAA SoCal / ACSC)openSIS$1,900–$3,200/yr
Why
  • Actively writing new CA business
  • SIS-committed under Sustainable Insurance Strategy
  • Moderate FHSZ reduces appetite
TravelersopenSIS$1,900–$3,200/yr
Why
  • Actively writing new CA business
  • SIS-committed under Sustainable Insurance Strategy
  • Moderate FHSZ reduces appetite
Bamboo Insuranceopen$1,900–$3,200/yr
Why
  • Actively writing new CA business
  • Moderate FHSZ reduces appetite

Possible

Delos Insurance Solutionslimited$1,900–$3,200/yr
Why
  • Writing selectively
  • Moderate FHSZ reduces appetite
Liberty Mutuallimited$1,900–$3,200/yr
Why
  • Writing selectively
  • Moderate FHSZ reduces appetite
Kin Insurancelimited$1,900–$3,200/yr
Why
  • Writing selectively
  • Moderate FHSZ reduces appetite
Chubblimited$2,400–$4,000/yr
Why
  • Writing selectively
  • Moderate FHSZ reduces appetite

With membership

USAAopenSIS—
Why
  • Eligible only with: Military community membership required
Why
  • Eligible only with: Affinity groups: educators, first responders, nurses, public employees
Horace MannopenSIS—
Why
  • Eligible only with: Educators and school employees

Unlikely

AllstatereenteringSIS$1,900–$3,200/yr
Why
  • Re-entry signaled, not yet confirmed active
  • SIS-committed under Sustainable Insurance Strategy
  • Moderate FHSZ reduces appetite

Not writing new business

State Farm Generalclosed$1,900–$3,200/yr
Why
  • Not accepting new applications
  • Moderate FHSZ reduces appetite

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Know a neighbor who was non-renewed?

Transparent public-data model (v0). Availability is an estimate, not an offer or quote of insurance; premium bands are illustrative. ZIP-level distress signals are not applied in this tool — county-level only.

Your home's risks, by peril

PUBLIC DATA

Flood and earthquake are excluded from a standard homeowners (HO-3) policy. Each needs its own policy. Here is what public maps say about this address and what each gap costs, from public data.

Fire

In homeowners policy?
Yes, if a carrier will write the home
Exposure here
Fire Hazard Severity Zone: ModerateCAL FIRE / OSFM · as of 2025-03-24
If carriers decline
California FAIR Plan (fire only) + a Difference in Conditions (DIC) policy
Required?
Your mortgage lender requires fire coverage (a loan-contract term, not a statute). The FAIR Plan satisfies it when admitted carriers decline.
Cost
FAIR Plan averages $2,327/yr in Los Angeles County (Mar 2026), fire only. See the fallback below.California FAIR Plan, owner-occupied average · as of 2026-03-31

Flood

In homeowners policy?
No, always excluded
Exposure here
Enter an address above
Gap product
NFIP flood policy (FEMA) or a private flood policy
Required?
Enter an address above
NFIP policies usually take 30 days to start. The wait is waived when bought with a mortgage.
Cost
Enter an address above

Earthquake

In homeowners policy?
No, always excluded
Exposure here
Enter an address above
Gap product
A California Earthquake Authority (CEA) policy through your home insurer, or a private earthquake policy. The FAIR Plan offers CEA coverage too, as a separate policy for FAIR dwelling policyholders.
Required?
Never required. Only 12% of California residential policies carry it (15% of homeowners, 2.2% of FAIR Plan dwelling policies).CDI Earthquake Data Call · 2025 data, edition 7/03/2026
Cost
Statewide average $1,440/yr for homeowners earthquake coverage ($1,302/yr on FAIR Plan dwellings). Your price depends on location, age, construction and deductible.CDI Earthquake Data Call · measured statewide averages
Earthquake details for your home

Stays in your browser. Nothing here is sent or saved.

  • CEA deductible choices on $625,000 of dwelling coverage: 5% = $31,250, 10% = $62,500, 15% = $93,750, 20% = $125,000, 25% = $156,250. The deductible is a share of the dwelling limit, not a flat amount.
  • ILLUSTRATIVE At the statewide average rate ( $1.62 per $1,000), $625,000 of coverage works out to about $1,013/yr. Real CEA prices vary widely by rating territory, construction and deductible.

For CEA’s own figure, use the CEA premium calculator with the details above.

CEA published discount and deductible rules · CDI Earthquake Data Call 2025

Hazard maps come from public agencies and are looked up directly by your browser. Maps can lag conditions on the ground, and underwriters also use property details, claims history and private risk scores that are not public. Estimates from public data. This is not a quote, offer, or insurance advice.

FAIR Plan + DIC fallback

DIC ILLUSTRATIVE

If admitted carriers decline, the California FAIR Plan (fire-only) plus a Difference in Conditions (DIC) policy is the standard fallback.

$600–$1,400
Illustrative DIC wrap / yr

Los Angeles County FAIR Plan averages $2,327/yr (fire-only, actual, Mar 2026). See the Difference in Conditions policy page for how the two combine.

Frequently asked

How does the availability estimate work?

It's a transparent, public-data model: each carrier's statewide status (open, limited, reentering, closed), Sustainable Insurance Strategy commitment, wildfire-hazard tolerance, county FAIR Plan trends, and your property details (occupancy, units, roof age, coverage amount) combine into a score, then a tier. Every weight is documented and mirrors the same model used across this site.

Is this a quote or an offer of insurance?

No. This is a probabilistic estimate built from public signals, not a quote, offer, or binding commitment from any carrier. Actual underwriting depends on a full application, inspection, and the carrier's current appetite. We never bind or quote coverage — we estimate, then refer you to a licensed broker.

What does the FAIR Plan + DIC fallback mean?

The California FAIR Plan is the state's insurer of last resort — fire coverage only, available when admitted carriers decline. A Difference in Conditions (DIC) policy wraps around it to add liability, water damage, and theft coverage, similar to a standard homeowners policy. DIC pricing isn't publicly filed, so the DIC figure shown is an illustrative range, not a quote.

How do I find my Fire Hazard Severity Zone (FHSZ)?

Type your address into the checker above. It queries CAL FIRE's official Fire Hazard Severity Zone map live and fills in the zone for you. You can also use the wildfire risk score by address tool.

Does homeowners insurance cover flood or earthquake?

No. Standard homeowners (HO-3) and dwelling-fire policies exclude both. Flood needs an NFIP or private flood policy. Earthquake needs a California Earthquake Authority (CEA) policy, sold through participating insurers including the California FAIR Plan, or a private earthquake policy.

When is flood insurance required?

Federal law (42 U.S.C. §4012a) requires flood insurance on a mortgaged building in a FEMA Special Flood Hazard Area (zones beginning with A or V) when the loan comes from a federally regulated lender or is backed by Fannie Mae or Freddie Mac. Outside those zones it is optional, though a lender can still ask for it. Earthquake insurance is never required.

Where do the flood and earthquake cost figures come from?

Flood figures are the middle half of what NFIP policyholders near you actually pay, from FEMA's OpenFEMA policy data (not endorsed by FEMA). Earthquake figures are statewide averages from the California Department of Insurance's earthquake data call, plus CEA's published discount and deductible rules. CEA does not publish its rate tables, so any per-home earthquake figure here is labeled illustrative.

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

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