California · built entirely on public data
Who writes home insurance in California — and what it costs
Look up which insurers are likely to write your address, the typical filed premium for your county, and the FAIR Plan + DIC fallback — every figure traced to a public source. Estimates, not quotes.
We tell you who’s most likely to insure you. A licensed broker gets you insured.
Check your address
See which insurers are likely to write a specific California home, the typical filed premium range, and the FAIR Plan + DIC fallback. Estimates, not quotes.
Check your address →Open the full-screen map ↗ · Estimates from public data — not a quote, offer, or insurance advice.
California, by the numbers
Note: FAIR Plan figures reflect pre-Oct-15-2026 rates; a 29.1% average increase took effect October 15, 2026.
FAIR Plan figures: California FAIR Plan (cfpnet). Admitted premiums: California Department of Insurance §12959 filed rates ($625,000 dwelling, effective 2026-05-01). All actual, measured data.
Start here
The FAIR Plan
What California's insurer of last resort is, who qualifies, what it costs, and why it's only half a policy.
Read the guide →Average cost by county
The typical filed premium where you live, from the state's own data — median, range, and the cheapest filed carrier.
See costs →FAIR + DIC vs regular
The FAIR Plan covers fire only. See what a DIC policy adds and how the combination compares to a standard policy.
Compare →Is my quote too high?
Enter your quoted premium and county to see whether it's in the typical range, above, or well above the state's filed rates.
Compare my quote →For licensed brokers
Do you place wildfire-exposed or non-renewed California homes? We are running a small pilot and are talking to producers who do.
Partner with us — for brokers