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Daily P&C Insurance News – California
California P&C Headlines
Home Insurance
California Department of Insurance · September 25, 2025
California Insurance Commissioner Ricardo Lara ordered insurers to maintain residential property coverage for roughly 124,000 policyholders in wildfire-affected Sierra foothill ZIP codes for one year following a state of emergency declaration. The moratorium aims to prevent non-renewals after major fires while the state pursues broader market reforms to stabilize availability and pricing.
Home Insurance
Realtor.com News · December 2, 2025
Farmers Insurance announced it will remove the limit on the number of new homeowners policies it writes in California, signaling renewed appetite for property risk in the state. The carrier is also targeting wildfire-distressed regions under a new rating plan aligned with state reforms, which could increase competition and options for households that have relied on the FAIR Plan.
Catastrophe
IMA Financial Group · September 14, 2025
An industry outlook report estimates that 11 California wildfires generated about $50 billion in insured losses in the first quarter of 2025, consuming a large portion of carriers’ annual catastrophe budgets. The analysis notes that property and casualty insurers are tightening underwriting and risk selection in high-hazard areas while still seeking ways to support capacity needs.
Regulation
CalMatters · September 23, 2025
Insurance Commissioner Ricardo Lara advanced a regulatory proposal that critics argue will make it harder for consumer groups to contest property and casualty rate filings in California. Supporters frame the changes as part of a broader strategy to keep private carriers in the market, while opponents warn that homeowners could face higher premiums with fewer avenues to challenge increases.
Market Outlook
AM Best News · June 8, 2025
A sector review reports that severe California wildfires contributed to a $1.1 billion net loss for the U.S. property and casualty industry in the first quarter, as catastrophe losses climbed to an elevated share of earned premiums. Analysts note that while premium growth remains solid, recurring wildfire events are pressuring underwriting margins and influencing reinsurance and capital strategies.
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