California
California home insurance carriers are reshuffling weekly. Know who's likely writing in California — 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 models which carriers are likely writing in the state market, for each property's risk profile.
Carrier landscape: Bifurcating — capacity returning unevenly
A modeled read of which carriers are writing in California, not an offer of coverage and not a quote. Availability is confirmed by a carrier, per property.
- 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
How CoverGuard scores wildfire exposure for a property in this state.
- Wildfire data sources
- Cal Fire FHSZ + USFS WUI + FEMA NRI wildfireModeled estimate
- Source: Cal Fire FHSZ + USFS WUI + FEMA NRI wildfire · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Earthquake
How CoverGuard scores earthquake exposure for a property in this state.
- Earthquake data sources
- USGS Design Maps (ASCE 7-22)Modeled estimate
- Source: USGS Design Maps (ASCE 7-22) · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Flood
How CoverGuard scores flood exposure for a property in this state.
- Flood data sources
- FEMA NFHL + NOAA coastal flood hazardModeled estimate
- Source: FEMA NFHL + NOAA coastal flood hazard · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
ZIPs worth watching
ZIPs our team flagged for this market at its last review, not a modeled ranking. A ZIP appearing here does not mean a property in it is uninsurable, and its absence does not mean a property is easy to place.
- 90290
- 91320
- 92064
- 95945
- 96150
Last checked 2026-06-02. Figures are modeled from public hazard and market sources; each peril above names its own.
California insurance terms worth knowing
California FAIR Plan
California's state-mandated insurer of last resort — a fire-only policy for homes the admitted market has declined or non-renewed.
Wildland-Urban Interface (WUI)
The zone where homes sit adjacent to or intermixed with wildland vegetation — the geography insurers watch most closely for non-renewal.
Difference in Conditions (DIC) Policy
A supplemental policy that fills the coverage gap a narrower primary policy leaves — most commonly paired with the California FAIR Plan.
From 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.