State Farm is under CDI enforcement in California (May 2026). Florida residual rates are easing. Allstate, Farmers, and regional carriers continue to reshuffle appetite by ZIP. CoverGuard tracks which carriers are actively binding at any US address — updated continuously.
Carrier is actively binding new policies in this market.
Carrier is writing limited business — narrow eligibility rules apply.
Carrier has paused or exited — new business is not being accepted.
The CoverGuard Advisor reads the risk, finds the carriers writing it, and pulls back live quotes — with every number sourced and auditable.