If you live in California and are searching for a homeowners insurance company that still offers valid policies, you might be aware that many insurers have pulled back or stopped writing new business due to wildfire risk and rising costs.
However, there are still companies that continue to serve homeowners in California. In this article, we describe which insurance companies still provide homeowners policies in California in 2025 — along with factors to check, and what to expect from the evolving home-insurance market.
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Why Many Insurers Have Pulled Back — And Why Availability Is Changing
Over the past few years, several major insurers have withdrawn or limited homeowners insurance offerings in California. The reasons include:
- Increased wildfire risk and catastrophic losses.
- Rising construction and rebuilding costs after disasters.
- Strict re-insurance market and high exposure to natural disasters.
For example: State Farm — once the largest home-insurer in California — stopped accepting new homeowners insurance applications as of May 2023. Similarly, Allstate also pulled back from writing new homeowners policies in the state.
Because of this retreat, many California homeowners now struggle to find insurance — but some insurers have remained or emerged to fill part of the gap.
Insurance Companies Still Providing Homeowners Insurance in California (2025)
Here are several insurers and insurance providers that, as of early 2025, still offer homeowners insurance policies in California — for many, though not always in all areas or for all home types.
| Insurance Company / Provider | What They Offer / Notes |
|---|---|
| Mercury Insurance | A California-based insurer offering personal, homeowner’s and property insurance; remains active in CA homeowners market. |
| Travelers | Listed among the top insurers still writing new homeowners policies in California, with competitive rates. |
| CSAA Insurance Group (AAA-linked) / Auto Club Enterprises | Still offers homeowners policies in certain parts of California according to recent market-share data. |
| Nationwide | Among the insurers still offering home insurance in California (though availability may vary by region). |
| Liberty Mutual | Continues to provide home insurance coverage in California, including for certain risk levels. |
| CSE Insurance Group | A regional insurer that offers homeowners and property-casualty insurance in California. |
| Specialty or regional insurers / smaller carriers (various) | In some submarkets, smaller or independent insurers may still underwrite home insurance where major insurers have pulled back. |
Note: Even among these providers, not all will insure every home — especially in high-risk zones prone to wildfire, flood, or other natural disasters. It’s critical to request a quote and confirm they will underwrite your specific property before assuming coverage is available.
What to Check Before You Buy: Questions to Ask When Contacting Insurers
Because the home-insurance market in California is in flux, you should be especially diligent. When contacting a provider for a homeowners policy, make sure to check:
- Whether the company is currently writing new policies in your ZIP code — insurers may exclude high-risk areas.
- What perils are covered — wildfire, earthquake, flood may be optional and more expensive.
- Policy limits and deductibles — ensure adequate dwelling and contents coverage, especially in high-cost rebuild zones.
- Eligibility requirements — some insurers require fire-resistant home construction, defensible space, or other conditions to insure.
- Surplus / non-standard market options — if standard insurers deny you, some specialized or surplus insurers may still offer coverage (though usually costlier and with fewer protections).
Why Even “Available” Insurance Is Hard to Get — Market Trends & Challenges
- The ongoing wildfire exposure, rising rebuild costs, and insurer losses have caused many insurers to tighten eligibility, raise premiums, or refuse new business.
- Some insurers now operate only in select counties or conditional on property risk — meaning many homeowners must either accept high costs or search for specialty insurers.
- For very high-risk properties, standard insurers may refuse coverage — pushing homeowners to the “surplus lines” or specialty market, where protection may be more expensive and less regulated.
Tips for Homeowners Looking for Insurance in 2025 California
If you’re shopping for homeowners insurance in California now, following these tips can improve your chances:
Conclusion: Yes — There Are Still Homeowners Insurance Options in California, But You Must Shop Smart
The home insurance landscape in California has changed dramatically in recent years. Many formerly dominant providers (like State Farm or Allstate) have stopped issuing new homeowners policies. But insurers such as Mercury Insurance, Travelers, CSAA (Auto Club), Liberty Mutual, Nationwide, and regional firms like CSE Insurance Group continue to provide homeowners coverage — albeit selectively.
If you’re a California homeowner looking for coverage, don’t assume there’s a one-size-fits-all insurer. Instead, reach out to multiple insurers, ask detailed questions, and ensure your home meets underwriting criteria before committing. With the right effort, you can still find a reliable homeowner’s insurance policy in California — even in 2025.
