California
California home insurance carriers are reshuffling weekly. Know who's writing in your ZIP — before you offer.
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 tracks who's actively binding — ZIP by ZIP.
Run a California insurability check →Carrier landscape: Bifurcating — capacity returning unevenly
- Farmers lifted new-policy cap in 2026
- Nine insurers committed to grow under CA DOI's Sustainable Insurance Strategy
- FAIR Plan share remains elevated in high-FHSZ ZIPs
- State Farm under 398-violation enforcement action — track for shifts
Perils we score for California
- Wildfire
- Cal Fire FHSZ + Esri wildfire propagation
- Earthquake
- USGS hazard + ASCE 7
- Flood
- FEMA + post-fire debris-flow zones
ZIPs worth watching
Where CoverGuard flags the highest property-level deal risk this quarter.
- 90290
- 91320
- 92064
- 95945
- 96150
Data refreshed 2026-06-02.