Who writes warranty 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).
25 companies wrote warranty in California in 2025, $205.7M in direct premium. Universal Underwriters Insurance Company led with 19.1%; the top five hold 62%.
By Sam Alishahi, independent insurance broker · All lines in California
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Universal Underwriters Insurance Company | 41181 | IL | Admitted (licensed) | $39.3M | 19.12% |
| 2 | Courtesy Insurance Company | 26492 | FL | Admitted (licensed) | $29.2M | 14.21% |
| 3 | Old Republic Insurance Company | 24147 | PA | Admitted (licensed) | $21.4M | 10.40% |
| 4 | Response Indemnity Company of California | 10970 | CA | Admitted (licensed) | $21.0M | 10.21% |
| 5 | Virginia Surety Company, Inc. | 40827 | IL | Admitted (licensed) | $16.7M | 8.14% |
| 6 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $16.1M | 7.85% |
| 7 | American Mercury Insurance Company | 16810 | OK | Admitted (licensed) | $13.6M | 6.60% |
| 8 | Technology Insurance Company, Inc. | 42376 | DE | Admitted (licensed) | $9.4M | 4.57% |
| 9 | Security National Insurance Company | 19879 | DE | Admitted (licensed) | $8.3M | 4.02% |
| 10 | PROTECTIVE PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 35769 | MO | Admitted (licensed) | $6.8M | 3.29% |
| 11 | Wesco Insurance Company | 25011 | DE | Admitted (licensed) | $6.0M | 2.91% |
| 12 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $4.2M | 2.05% |
| 13 | Standard Guaranty Insurance Company | 42986 | DE | Admitted (licensed) | $4.1M | 1.98% |
| 14 | Heritage Indemnity Company | 39527 | CA | Admitted (licensed) | $3.6M | 1.74% |
| 15 | First Colonial Insurance Company | 29980 | IL | Admitted (licensed) | $1.9M | 0.91% |
| 16 | STARR INDEMNITY \u0026 LIABILITY COMPANY | 38318 | TX | Admitted (licensed) | $1.0M | 0.50% |
| 17 | Dealers Assurance Company | 16705 | OH | Admitted (licensed) | $877,528 | 0.43% |
| 18 | QBE Insurance (Europe) Limited | 39217 | PA | Admitted (licensed) | $705,395 | 0.34% |
| 19 | MIC Property and Casualty Insurance Corporation | 38601 | MI | Admitted (licensed) | $511,479 | 0.25% |
| 20 | Continental Casualty Company | 20443 | IL | Admitted (licensed) | $400,570 | 0.19% |
| 21 | National Casualty Company | 11991 | OH | Admitted (licensed) | $392,344 | 0.19% |
| 22 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $93,275 | 0.05% |
| 23 | California Insurance Company | 38865 | CA | Admitted (licensed) | $58,000 | 0.03% |
| 24 | Pennsylvania Insurance Company | 21962 | NM | Admitted (licensed) | $33,666 | 0.02% |
| 25 | Lexington National Insurance Corporation | 37940 | FL | Admitted (licensed) | $142 | 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.
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