California homeowner research
Dropped, priced out, or pushed to the FAIR Plan?
California homeowners are facing a confusing insurance market. The California Fire Insurance Project is collecting real homeowner experiences to understand where coverage is becoming unavailable, unaffordable, or incomplete.
This is a research project. We are not currently offering, selling, binding, or servicing insurance policies.
Real stories from California homeowners
California homeowners are being dropped, priced out, or pushed into confusing coverage options. We're collecting real homeowner experiences to understand where the market is breaking down.
This is independent consumer research—not a quote request, sales funnel, or insurance agency website.
If this happened to you, we want to hear about it.
Tell us what happened with your renewal or coverage search.
- Your insurer non-renewed your homeowners policy
- Your premium increased sharply
- You were told the FAIR Plan is your only option
- You had to add a DIC or wrap policy
- You are buying a home and cannot find acceptable coverage
- Your lender or escrow process is being affected by insurance
- You completed wildfire mitigation work but still cannot get coverage
- You are confused about what your policy does and does not cover
What we're trying to understand
California's homeowners insurance market is changing quickly. We are collecting homeowner experiences to identify where people are getting stuck, what coverage options they are being offered, and which problems are most urgent by ZIP code, county, carrier, and situation.
- Where non-renewals and premium increases are happening
- Which homeowners are ending up in the FAIR Plan
- Whether homeowners are able to find DIC or wrap coverage
- How insurance problems are affecting home purchases, escrows, and mortgages
- Whether mitigation steps are helping homeowners regain coverage options
- What information homeowners wish they had earlier
What happens after you submit
- Your response is stored securely for research review.
- We look for patterns across ZIP codes, carriers, and situations.
- If you gave permission to contact you, we may follow up with a few additional research questions—not insurance sales outreach.
Share your California fire insurance story
Start with six quick questions—about 2 minutes. You do not need policy numbers or carrier details to submit. Optional sections below let you share more if you want.
Research only. This is not an insurance quote request.
Across California
Homeowners statewide are navigating the same uncertainty
From the Bay Area to the Sierra foothills, insurance problems look different block by block. Your experience helps us see where the market is working—and where it is not.