Dropped by your home insurer in California? Here are your actual options

Work through these in order — your progress saves in this browser (no account, nothing sent to us). Most non-renewed homeowners land somewhere before the last step.

6 steps

1. 1. Read your non-renewal notice and mark the deadlineCalifornia insurers must give 75 days’ written notice before non-renewal (Cal. Ins. Code §678). Find the date coverage ends — that is your deadline to have replacement coverage in force. Use the deadline calculator above to see exactly how much time you have.
2. 2. Call your current insurer before you shopAsk why you’re being non-renewed, whether documented wildfire mitigation would change the decision, and whether an affiliated company can write you. Non-renewals are sometimes reversible, and the answer tells you what the next carrier will ask.
3. 3. Harden and document your homeCalifornia’s Safer from Wildfiresframework requires insurers to credit specific mitigation — defensible space, a Class-A roof, ember-resistant vents. Do the work, photograph it, and keep receipts; it can move you from “uninsurable” toward insurable. Check your wildfire hazard zone.
4. 4. Shop the admitted market firstSeveral carriers are still open or re-entering under the state’s Sustainable Insurance Strategy — availability depends on your address. See which carriers are likely to write your address, then try parcel-level underwriters (Kin, Delos, Bamboo), then surplus lines through a broker.
5. 5. Line up the FAIR Plan + DIC fallbackThe FAIR Plan is available statewide, subject to FAIR Plan eligibility (fire-only). Pair it with a Difference in Conditions (DIC) policyto add liability, water, and theft — together they approximate a standard policy. It’s the floor, not the first choice.
6. 6. Talk to a licensed brokerA broker who works high-risk California homes can place coverage others miss and handles FAIR Plan + DIC paperwork for you. We provide estimates and referrals to licensed brokers — we never quote or bind coverage.

Non-renewals aren't random. Three forces are driving them at once. First, Proposition 103 historically limited insurers' ability to price in forward-looking catastrophe risk (rather than just historical losses), which made some wildfire-exposed areas unprofitable to write at the approved rate. Second, actual wildfire losses over the past decade — especially 2017–2018 and the 2025 Los Angeles fires — have been large enough that some carriers simply stopped renewing policies in and near high-hazard zones. Third, California's Sustainable Insurance Strategy (SIS), adopted by the Department of Insurance, now lets carriers use catastrophe modeling in rate filings in exchange for writing more policies in distressed areas — a trade some carriers have taken and others haven't.

California Department of Insurance, Sustainable Insurance Strategy rulemaking, 2024–2025.

Work down this ladder. Most non-renewed homeowners land somewhere before the bottom.

1. Admitted carriers still writing. 11 of the 16carriers we track are open or re-entering new California home business — availability still depends heavily on your address's wildfire score. Check which carriers are likely at your address.
2. Parcel-level underwriters. Insurers such as Kin, Delos, and Bamboo build their own wildfire models at the individual-parcel level, rather than declining an entire ZIP code. A home a blanket model would decline can sometimes clear a parcel-level review — for example, if it has defensible space, a Class A roof, or ember-resistant vents. This is an availability estimate, not a quote; eligibility varies by carrier and changes often.
3. Surplus lines (non-admitted) carriers.These write outside California's admitted-market rate regulation, so they can price and accept higher-risk homes — but they carry no CIGA guarantee-fund backing if the carrier fails. A licensed broker can place surplus lines coverage; read the policy's admitted status before you buy.
4. FAIR Plan + DIC — the statewide fallback, subject to FAIR Plan eligibility. Fire-only, averaging $3,008/yr (March 2026) for owner-occupied homes. Pair it with a Difference in Conditions (DIC) policy to add liability, water, and theft coverage. See the full breakdown on the California FAIR Plan page.

• Farmers Insurance — SIS-committed
• CSAA (AAA NorCal) — SIS-committed
• Auto Club (AAA SoCal / ACSC) — SIS-committed
• Mercury Insurance — SIS-committed
• USAA — SIS-committed
• Travelers — SIS-committed
• Allstate — SIS-committed
• Pacific Specialty — SIS-committed
• California Casualty — SIS-committed
• Horace Mann — SIS-committed
• Bamboo Insurance

Statewide status; writing at your specific address is not guaranteed. carriers.json, reviewed June 2026.

State Farm General — California's largest home insurer by market share — is a well-documented case: it stopped accepting new California homeowner applications in May 2023, and has since non-renewed a portion of its existing book, citing its financial condition. It was granted an emergency interim rate increase in 2025 and, as of our latest review, is writing renewals for most existing policyholders but not broadly accepting new business. If State Farm dropped you, the same ladder above applies — start with other carriers still writing in your area.

Public CDI filings and state press on State Farm General's California standing, 2023–2025; see the State Farm carrier page for current status.

The fastest way to see where you stand: check your exact address for likely carriers, the FAIR Plan estimate for your area, and the DIC fallback.

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.

Do you place wildfire-exposed or non-renewed California homes? We are running a small pilot and are talking to producers who do.