California insurance market
Top carriers writing residential and condominium lines in California, with market share. Share is computed within this state and line from filed market data.
| # | Carrier | Policies in force | Premium written | Market share |
|---|---|---|---|---|
| 1 | Fire Ins Exch | – | $182.2M | 7.3% |
| 2 | State Farm Gen Ins Co | – | $158.3M | 6.3% |
| 3 | Sutton National Ins Co | – | $143.7M | 5.7% |
| 4 | Travelers Prop Cas Co Of Amer | – | $119.1M | 4.8% |
| 5 | CSAA Fire & Cas Ins Co | – | $117.8M | 4.7% |
| 6 | California Automobile Ins Co | – | $104.2M | 4.2% |
| 7 | Liberty Mut Ins Co | – | $95.6M | 3.8% |
| 8 | Zurich Amer Ins Co | – | $92.2M | 3.7% |
| 9 | Safeco Ins Co Of Amer | – | $80M | 3.2% |
| 10 | American Security Ins Co | – | $79.3M | 3.2% |
| 11 | Foremost Ins Co Grand Rapids MI | – | $76.5M | 3.1% |
| 12 | Factory Mut Ins Co | – | $75M | 3.0% |
| 13 | CSAA Ins Exch | – | $63.1M | 2.5% |
| 14 | Allianz Global Risks US Ins Co | – | $60.9M | 2.4% |
| 15 | Standard Fire Ins Co | – | $56.4M | 2.3% |
| 16 | United Serv Automobile Assn | – | $53.7M | 2.1% |
| 17 | Hartford Fire Ins Co | – | $49.3M | 2.0% |
| 18 | Interins Exch Of The Automobile Club | – | $47.5M | 1.9% |
| 19 | American Modern Prop & Cas Ins Co | – | $45.1M | 1.8% |
| 20 | Nationwide Mut Ins Co | – | $44.8M | 1.8% |
| 21 | Affiliated Fm Ins Co | – | $42.6M | 1.7% |
| 22 | California Capital Ins Co | – | $42.5M | 1.7% |
| 23 | Accredited Surety & Cas Co Inc | – | $41.8M | 1.7% |
| 24 | Travelers Cas & Surety Co | – | $34.7M | 1.4% |
| 25 | DB Ins Co Ltd (US Branch) | – | $34.5M | 1.4% |
- 1.Fire Ins Exch
- Policies
- –
- Premium
- $182.2M
7.3% - 2.State Farm Gen Ins Co
- Policies
- –
- Premium
- $158.3M
6.3% - 3.Sutton National Ins Co
- Policies
- –
- Premium
- $143.7M
5.7% - 4.Travelers Prop Cas Co Of Amer
- Policies
- –
- Premium
- $119.1M
4.8% - 5.CSAA Fire & Cas Ins Co
- Policies
- –
- Premium
- $117.8M
4.7% - 6.California Automobile Ins Co
- Policies
- –
- Premium
- $104.2M
4.2% - 7.Liberty Mut Ins Co
- Policies
- –
- Premium
- $95.6M
3.8% - 8.Zurich Amer Ins Co
- Policies
- –
- Premium
- $92.2M
3.7% - 9.Safeco Ins Co Of Amer
- Policies
- –
- Premium
- $80M
3.2% - 10.American Security Ins Co
- Policies
- –
- Premium
- $79.3M
3.2% - 11.Foremost Ins Co Grand Rapids MI
- Policies
- –
- Premium
- $76.5M
3.1% - 12.Factory Mut Ins Co
- Policies
- –
- Premium
- $75M
3.0% - 13.CSAA Ins Exch
- Policies
- –
- Premium
- $63.1M
2.5% - 14.Allianz Global Risks US Ins Co
- Policies
- –
- Premium
- $60.9M
2.4% - 15.Standard Fire Ins Co
- Policies
- –
- Premium
- $56.4M
2.3% - 16.United Serv Automobile Assn
- Policies
- –
- Premium
- $53.7M
2.1% - 17.Hartford Fire Ins Co
- Policies
- –
- Premium
- $49.3M
2.0% - 18.Interins Exch Of The Automobile Club
- Policies
- –
- Premium
- $47.5M
1.9% - 19.American Modern Prop & Cas Ins Co
- Policies
- –
- Premium
- $45.1M
1.8% - 20.Nationwide Mut Ins Co
- Policies
- –
- Premium
- $44.8M
1.8% - 21.Affiliated Fm Ins Co
- Policies
- –
- Premium
- $42.6M
1.7% - 22.California Capital Ins Co
- Policies
- –
- Premium
- $42.5M
1.7% - 23.Accredited Surety & Cas Co Inc
- Policies
- –
- Premium
- $41.8M
1.7% - 24.Travelers Cas & Surety Co
- Policies
- –
- Premium
- $34.7M
1.4% - 25.DB Ins Co Ltd (US Branch)
- Policies
- –
- Premium
- $34.5M
1.4%
Residual market
Residual market
Insurer-of-last-resort exposure: the coverage carriers declined.
- Policies
- 417,310
- Exposure
- $429.8B
- Premium written
- $1.4B
Plans: FAIR / beach-plan stats (III · PIPSO) · as of 2024-12-31
Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
Cost by ZIP
What homeowners insurance costs is filed at the ZIP level, not the state level. Enter a California ZIP to see the average premium per policy, the loss ratio, the nonrenewal rate, and how premiums moved over the filed window.
ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
Methodology & sources
This explorer compiles filed and public-record insurance market data. It is a reference surface, not insurance advice. Figures reflect what carriers and regulators have filed, with the vintage shown per source.
- Carrier market shareNAIC 50-state baseline + state DOI reports (latest filed year)
- Carrier market-share is computed within a single state and line from filed market data (NAIC 50-state baseline, state DOI market-share reports, and FL OIR QUASR). Share compares carriers inside one state/line only — it never sums premium across states, so earned-basis and written-basis filings are never mixed.
- Florida county presenceFL OIR QUASR county cut, latest report period
- Florida county carrier presence is the OIR QUASR county cut. Large Florida domestic carriers file their county data as trade secret under §624.4212, Fla. Stat., so they are absent here — the county view is not a complete market.
- Residual marketIII / PIPSO residual-plan stats (FY2024) + state factbooks
- Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
- Carrier-health watchNAIC GRID + state insolvency lists
- Receivership status is from NAIC GRID and state insolvency lists. We show the proceeding type and date as filed — this is a public record, not a judgment about a carrier's financial strength.
- ZIP cost & nonrenewalFIO federal homeowners filings, 2018–2022
- ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
- Utah basis note
- Utah filings report direct premiums earned (not written); its share figures are earned-basis and not directly comparable to written-basis states.
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