Directory · California · Homeowners
Who writes homeowners in California
Ranked by direct premium written in 2025 from the California Department of Insurance market share report (every company, not a top-N list).
98 companies wrote homeowners in California in 2025, $16.43B in direct premium. State Farm General Insurance Company led with 20.1%; the top five hold 47%.
By Sam Alishahi, independent insurance broker · All lines in California
Homeowners · California
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | State Farm General Insurance Company | 25151 | IL | Admitted (licensed) | $3.30B | 20.09% |
| 2 | California Automobile Insurance Company | 38342 | CA | Admitted (licensed) | $1.21B | 7.39% |
| 3 | Farmers Insurance Exchange | 21652 | CA | Admitted (licensed) | $1.10B | 6.70% |
| 4 | CSAA Insurance Exchange | 15539 | CA | Admitted (licensed) | $1.07B | 6.49% |
| 5 | Interinsurance Exchange of the Automobile Club | 15598 | CA | Admitted (licensed) | $1.03B | 6.29% |
| 6 | Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | $851.0M | 5.18% |
| 7 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $821.5M | 5.00% |
| 8 | Standard Fire Insurance Company (The) | 19070 | CT | Admitted (licensed) | $663.2M | 4.04% |
| 9 | Homesite Insurance Company of the Midwest | 13927 | WI | Admitted (licensed) | $476.5M | 2.90% |
| 10 | Mid-Century Insurance Company | 21687 | CA | Admitted (licensed) | $413.3M | 2.52% |
| 11 | Sutton National Insurance Company | 25798 | OK | Admitted (licensed) | $403.6M | 2.46% |
| 12 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $336.4M | 2.05% |
| 13 | General Insurance Company of America | 24732 | NH | Admitted (licensed) | $336.4M | 2.05% |
| 14 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $322.5M | 1.96% |
| 15 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $252.9M | 1.54% |
| 16 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $228.8M | 1.39% |
| 17 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $225.0M | 1.37% |
| 18 | Pacific Specialty Insurance Company | 37850 | CA | Admitted (licensed) | $201.5M | 1.23% |
| 19 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $193.4M | 1.18% |
| 20 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $154.1M | 0.94% |
| 21 | Homesite Insurance Company of California | 11005 | CA | Admitted (licensed) | $152.5M | 0.93% |
| 22 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $147.9M | 0.90% |
| 23 | DB Insurance Company, Ltd. (US Branch) | 12502 | HI | Admitted (licensed) | $137.6M | 0.84% |
| 24 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $122.0M | 0.74% |
| 25 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $119.3M | 0.73% |
| 26 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $107.8M | 0.66% |
| 27 | Spinnaker Insurance Company | 24376 | IL | Admitted (licensed) | $106.2M | 0.65% |
| 28 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $105.3M | 0.64% |
| 29 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $97.8M | 0.60% |
| 30 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $93.8M | 0.57% |
| 31 | Lemonade Insurance Company | 16023 | NY | Admitted (licensed) | $93.3M | 0.57% |
| 32 | California Casualty Indemnity Exchange, The | 20117 | CA | Admitted (licensed) | $91.7M | 0.56% |
| 33 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $90.3M | 0.55% |
| 34 | Safeco Insurance Company of Illinois | 39012 | IL | Admitted (licensed) | $84.4M | 0.51% |
| 35 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $76.4M | 0.46% |
| 36 | California Capital Insurance Company | 13544 | CA | Admitted (licensed) | $75.9M | 0.46% |
| 37 | Residence Mutual Insurance Company | 15776 | CA | Admitted (licensed) | $75.3M | 0.46% |
| 38 | Zurich American Insurance Company | 16535 | NY | Admitted (licensed) | $73.5M | 0.45% |
| 39 | ASI Select Insurance Corp. | 14042 | DE | Admitted (licensed) | $67.5M | 0.41% |
| 40 | Property and Casualty Insurance Company of Hartford | 34690 | IN | Admitted (licensed) | $67.4M | 0.41% |
| 41 | First National Insurance Company of America | 24724 | NH | Admitted (licensed) | $61.3M | 0.37% |
| 42 | Wawanesa General Insurance Company | 10683 | CA | Admitted (licensed) | $57.4M | 0.35% |
| 43 | Incline Casualty Company | 11090 | TX | Admitted (licensed) | $56.4M | 0.34% |
| 44 | Aegis Security Insurance Company | 33898 | CA | Admitted (licensed) | $55.1M | 0.34% |
| 45 | One Alliance North America Insurance Company | 10759 | TX | Admitted (licensed) | $49.3M | 0.30% |
| 46 | American Family Connect Property and Casualty Insurance Company | 29068 | WI | Admitted (licensed) | $47.5M | 0.29% |
| 47 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $45.4M | 0.28% |
| 48 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $44.1M | 0.27% |
| 49 | Encompass Insurance Company | 10358 | IL | Admitted (licensed) | $41.7M | 0.25% |
| 50 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $41.6M | 0.25% |
| 51 | Horace Mann Insurance Company | 22578 | IL | Admitted (licensed) | $34.3M | 0.21% |
| 52 | Stillwater Property and Casualty Insurance Company | 16578 | NY | Admitted (licensed) | $33.0M | 0.20% |
| 53 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $31.6M | 0.19% |
| 54 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $20.5M | 0.12% |
| 55 | Response Indemnity Company of California | 10970 | CA | Admitted (licensed) | $20.2M | 0.12% |
| 56 | Metromile Insurance Company | 16187 | NY | Admitted (licensed) | $17.2M | 0.10% |
| 57 | Grange Insurance Association | 22101 | WA | Admitted (licensed) | $16.5M | 0.10% |
| 58 | American National Property and Casualty Company | 28401 | NE | Admitted (licensed) | $15.4M | 0.09% |
| 59 | US Coastal Property & Casualty Insurance Company | 15900 | FL | Admitted (licensed) | $15.4M | 0.09% |
| 60 | Sentinel Insurance Company, Limited | 11000 | CT | Admitted (licensed) | $15.2M | 0.09% |
| 61 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $15.1M | 0.09% |
| 62 | MAPFRE Insurance Company | 23876 | NJ | Admitted (licensed) | $15.0M | 0.09% |
| 63 | Foremost Property and Casualty Insurance Company | 11800 | MI | Admitted (licensed) | $13.7M | 0.08% |
| 64 | HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 22756 | IL | Admitted (licensed) | $11.9M | 0.07% |
| 65 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $11.7M | 0.07% |
| 66 | Praetorian Insurance Company | 37257 | PA | Admitted (licensed) | $10.8M | 0.07% |
| 67 | Standard Guaranty Insurance Company | 42986 | DE | Admitted (licensed) | $9.2M | 0.06% |
| 68 | Century-National Insurance Company | 26905 | IL | Admitted (licensed) | $7.3M | 0.04% |
| 69 | Obsidian Pacific Insurance Company | 26395 | DE | Admitted (licensed) | $6.8M | 0.04% |
| 70 | Armed Forces Insurance Exchange | 41459 | KS | Admitted (licensed) | $5.7M | 0.03% |
| 71 | Incline National Insurance Company | 19269 | CA | Admitted (licensed) | $3.8M | 0.02% |
| 72 | Eagle West Insurance Company | 12890 | CA | Admitted (licensed) | $2.9M | 0.02% |
| 73 | Fidelity and Deposit Company of Maryland (The) | 39306 | IL | Admitted (licensed) | $2.8M | 0.02% |
| 74 | HYUNDAI MARINE \u0026 FIRE INSURANCE CO., LTD. (U.S. BRANCH) | 10048 | CA | Admitted (licensed) | $1.5M | 0.01% |
| 75 | Vigilant Insurance Company | 20397 | NY | Admitted (licensed) | $1.4M | 0.01% |
| 76 | 21st Century Premier Insurance Company | 20796 | PA | Admitted (licensed) | $1.4M | 0.01% |
| 77 | Crestbrook Insurance Company | 18961 | OH | Admitted (licensed) | $1.4M | 0.01% |
| 78 | California Mutual Insurance Company | 27480 | CA | Admitted (licensed) | $1.1M | 0.01% |
| 79 | Pacific Indemnity Company | 20346 | DE | Admitted (licensed) | $1.1M | 0.01% |
| 80 | Allstate Indemnity Company | 19240 | IL | Admitted (licensed) | $1.0M | 0.01% |
| 81 | Western Mutual Insurance Company | 13625 | CA | Admitted (licensed) | $651,310 | 0.00% |
| 82 | Twin City Fire Insurance Company (The) | 29459 | IN | Admitted (licensed) | $520,309 | 0.00% |
| 83 | Affiliated F M Insurance Company | 10014 | RI | Admitted (licensed) | $241,943 | 0.00% |
| 84 | State National Insurance Company, Inc. | 12831 | TX | Admitted (licensed) | $202,820 | 0.00% |
| 85 | Ace American Insurance Company | 22667 | PA | Admitted (licensed) | $192,137 | 0.00% |
| 86 | Tokio Marine America Insurance Company | 10945 | NY | Admitted (licensed) | $180,263 | 0.00% |
| 87 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $103,693 | 0.00% |
| 88 | Chubb National Insurance Company | 10052 | IN | Admitted (licensed) | $80,643 | 0.00% |
| 89 | Knightbrook Insurance Company | 13722 | DE | Admitted (licensed) | $79,728 | 0.00% |
| 90 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $46,433 | 0.00% |
| 91 | Executive Risk Indemnity, Inc. | 35181 | DE | Admitted (licensed) | $38,560 | 0.00% |
| 92 | CSAA FIRE \u0026 CASUALTY INSURANCE COMPANY | 10921 | IN | Admitted (licensed) | $27,112 | 0.00% |
| 93 | Chubb Indemnity Insurance Company | 12777 | NY | Admitted (licensed) | $20,296 | 0.00% |
| 94 | American Southern Home Insurance Company | 41998 | FL | Admitted (licensed) | $4,281 | 0.00% |
| 95 | Civic Property and Casualty Company | 10315 | CA | Admitted (licensed) | $3,145 | 0.00% |
| 96 | Golden Bear Insurance Company | 39861 | CA | Admitted (licensed) | $2,983 | 0.00% |
| 97 | Neighborhood Spirit Property and Casualty Company | 10317 | CA | Admitted (licensed) | $1,385 | 0.00% |
| 98 | American Family Home Insurance Company | 23450 | FL | Admitted (licensed) | $1,231 | 0.00% |
Method and source
Source: the California Department of Insurance company list, read 2026-10-17 and the surplus lines list. California's company search lists every company on file (all lines, including some no longer active); P&C status comes from the merge. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.
Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.
Need homeowners in California?
Someone will insure it. I find who.
Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Not shopping yet?
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.