3 carriers raised California homeowners rates by up to 7% in 2026 — you may be overpaying. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
Carriers that raised California home rates in 2026
| Carrier | Change | Effective | Source |
|---|---|---|---|
| Wawanesa Wawanesa General Insurance Company | +7% | — | CA CDI Approval/Closed List Excel |
| USAA USAA Casualty + General Indemnity | +6.9% | — | CA CDI Excel |
| Farmers Farmers Insurance Exchange | +1.5% | — | CA CDI Excel |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI; TX via data.texas.gov). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.