A May 6 San Francisco Chronicle article reports on how the top 10 California homeowners insurers are writing and renewing insurance policies. 

Here is a summary of the information in the article:

State Farm ceased writing new policies in May 2023. In March 2024, the company announced that it was nonrenewing 30,000 homeowners and rental dwelling policies.

Farmers’ subsidiary Farmers Direct stopped doing business in California at the end of 2023. Subsidiary Foremost is withdrawing from the California condo insurance market. In April 2024, a Farmers spokesperson said that all other subsidiaries are writing new business in California, however new policies have been capped at 7,000 per month.

Berkshire Hathaway offers homeowners insurance through GUARD Insurance Cos.  AmGuard, a subsidiary, withdrew from the California homeowners insurance market in August 2023. The Chronicle article states, “A representative for GUARD Insurance did not respond to multiple requests for comment on whether GUARD Insurance’s other subsidiaries are still offering new policies. On its website, GUARD Insurance does not list homeowners policies as one of its offerings in California.”

Allstate stopped writing new homeowners policies in November 2022.

Liberty Mutual writes homeowners insurance through its subsidiary Safeco Insurance.  In May 2023, Safeco listed 24 ZIP codes where it will not write new policies and 30 Zip codes where it will neither write new policies nor renew existing policies, exceptions are made if coverage is less than $350,00 or a home has been insured by Safeco since 1999.  

Travelers is writing new policies and renewing existing policies, so long as they meet the company’s underwriting guidelines.

Auto Club of Southern California is offering coverage to homes that meet the company’s underwriting guidelines.

CSAA is writing new policies and renewing existing policies, so long as they meet the company’s underwriting guidelines.     

Mercury is writing new policies and renewing existing policies. A company spokesperson told the Chronicle, “While there are no specific geographic areas where we don’t write policies, it is important to note that all policies are considered on a case-by-case basis.”

Chubb’s subsidiaries continue to write new policies and renew existing policies that meet the company’s underwriting criteria.   

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