Modeled dataCarrier availability & pricing are modeled.How this is modeled
CoverGuard

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

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
A broad landscape combines coast, river, forest, dry terrain, and homes.
Illustrative landscape — the kinds of exposure a California property review considers. AI-generated illustrative image for CoverGuard marketing; not evidence of a real customer, property, carrier result, or event. Illustrative only — no figure on this page is derived from this image, and no marker is placed at a real location.

  1. Flood Flood

    River and coastal context can vary significantly across nearby properties.

  2. Wildfire Wildfire

    Vegetation, terrain, and access are useful inputs for further review.

  3. Wind Wind

    Coastal exposure can shape the questions asked about a property.

  4. Earthquake Earthquake

    Regional context is a starting point and does not establish property-level loss.

Perils we score for California

Wildfire

How CoverGuard scores wildfire exposure for a property in this state.

Wildfire data sources
Cal Fire FHSZ + Esri wildfire propagationModeled estimate
Source: Cal Fire FHSZ + Esri wildfire propagation · 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 hazard + ASCE 7Modeled estimate
Source: USGS hazard + ASCE 7 · 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 + post-fire debris-flow zonesModeled estimate
Source: FEMA + post-fire debris-flow zones · Last checked 2026-06-02.
State-level sourcing. A property-level answer needs the address.

ZIPs worth watching

Where CoverGuard currently models the highest property-level deal risk. 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.

From the CoverGuard Record to bound coverage — without the surprises

With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the CoverGuard Record, models which carriers will write the risk, and pulls back indicative pricing with a quote request — before anyone signs on the dotted line.

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From CoverGuard Record to a quote request

The CoverGuard Advisor reads the risk, models which carriers will write it, and pulls back indicative pricing — with every number sourced and auditable.

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