By state
Where carriers are likely still writing — state by state
Availability is a local question. A carrier growing in one state is non-renewing in the next, and inside a state it turns on the ZIP. These are the markets we track most closely.
California
Bifurcating — capacity returning unevenly
California's market is bifurcating. Farmers lifted its new-policy cap and nine insurers have committed to grow, but the CA DOI is pursuing a 398-violation enforcement action against State Farm over LA-wildfire claims handling. CoverGuard models which carriers are likely writing in the state market, for each property's risk profile.
WildfireEarthquakeFlood
See California carrier statusFlorida
Recovering — uneven by ZIP
Florida went from a handful of admitted carriers to 30+ as rate relief and reinsurance conditions improved. But the rebound is uneven — coastal and 4-point-inspection-sensitive ZIPs lag the broader market.
Hurricane / windFloodSinkhole
See Florida carrier statusTexas
Tightening — inland hail and coastal wind
Texas carriers are tightening on coastal wind and inland hail. CoverGuard models who is likely writing in the Texas market for a property's risk profile, and which perils drive its insurability.
HailWindFlood
See Texas carrier statusLouisiana
Constrained — coastal especially
Multiple Louisiana carriers exited or became insolvent after Hurricane Ida. The market is rebuilding through Louisiana Citizens depopulation and incentive programs — but capacity is concentrated in inland parishes.
Hurricane / windFloodHail
See Louisiana carrier statusColorado
Tightening in WUI / Front Range
Colorado wildfire risk in the WUI continues to drive non-renewals — particularly along the Front Range. CoverGuard scores property-level wildfire exposure from USFS wildland-urban interface data, FEMA's National Risk Index and current drought conditions.
WildfireHailWind
See Colorado carrier status
Screening the hail corridor?
Hail drives more paid claims than any other peril across the Plains and Tornado Alley, and it is priced through the wind/hail deductible rather than the base premium — which is why a property can look affordable and still carry a five-figure exposure.
See hail corridor insurabilityFrom the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.