Editorial Changelog
What changed, and when
Every page on this site is dated. When a data point's value moves, we keep the previous value and the date it changed, and the next reader sees both the prior figure and the date it moved. The feed below is the 50 most-recent changes across 1 day, newest first.
Jun 18, 2026 · 50 changes
Massachusetts · 2 changes
Carriers Pulled Back
wasSeveral carriers have modified or stopped writing on Martha's Vineyard / coastal MA as of 2024: Plymouth Rock, Narragansett Bay Insurance Co (NBIC), Openly, and Swyfft all modified or stopped policies on Martha's Vineya…
nowPlymouth Rock, Narragansett Bay Insurance Co (NBIC), Openly, and Swyfft all modified or stopped writing on Martha's Vineyard (2024). Main Street America Insurance announced a full personal-lines exit from Massachusetts, with homeowners, dwelling fire, and umbrella non-renewals b…
Recent Changes
wasMPIUA insured more than 173,000 properties in 2024, its first single-year increase in policies since 2017 and its largest single-year jump in ~two decades. On Cape Cod and the Islands, nearly 40% of homes are now insure…
nowStatewide homeowners premiums rose 12.7% in 2024, per the MA DOI 2024 Annual Home Insurance Market Report (issued December 2025). The FAIR Plan grew by 24,436 policies in fiscal year 2024, reaching more than 173,000 insured properties - the largest single-year increase since 200…
Massachusetts Division of Insurance 2024 Annual Home Insurance Market Report / CommonWealth Beacon ↗
Idaho · 3 changes
Rate Approval Regime
wasIdaho is a file-and-use state for personal-lines property/casualty rate filings. Carriers must file rates with IDOI but may use them without prior approval, subject to IDOI review for adequacy, excessiveness, and unfair…
nowIdaho uses a use-and-file regime for personal-lines property/casualty rate filings. Carriers may implement new rates immediately upon the effective date and must file with IDOI within 30 days of that date; no waiting period or prior approval is required. IDOI reviews filings aft…
Recent Changes
wasApril 22, 2025: IDOI issues Bulletin 25-02 launching statewide Property Insurance Market Data Call. 2025 legislative session: HB 17 and HB 384 (wildfire mitigation fund proposals) introduced and held in committee; no en…
nowApril 22, 2025: IDOI issues Bulletin 25-02 launching statewide Property Insurance Market Data Call. 2025 legislative session: HB 17 and HB 384 (wildfire mitigation fund proposals) introduced and held in committee; no enactment. Summer to fall 2024: Idaho experiences worst wildfi…
Idaho Legislature HB 562 / HB 618 / HB 619 (2026 session) + IDOI ↗
Premium Baseline
wasIdaho average annual homeowners premium grew from $1,308 in 2022 to $1,468 in 2023 (+12.2%) to $1,798 in 2024 (+22.4%), per IDOI's 2025 property insurance market data call (statewide average across all admitted carriers…
nowIdaho average annual homeowners premium grew from $1,308 in 2022 to $1,468 in 2023 (+12.2%) to $1,798 in 2024 (+22.4%), per the Idaho Department of Insurance 2025 Property Insurance Market Data Call results (October 2025; statewide average across all admitted carriers reporting)…
Idaho Department of Insurance, 2025 Property Insurance Market Data Call Results (October 2025) ↗
Nevada · 2 changes
Non Renewal Rules
wasNevada requires written notice for cancellation or nonrenewal under NRS 687B.320-687B.350. Cancellation: at least 10 days for nonpayment, 30 days for other grounds. Nonrenewal: at least 30 days for personal lines (60 da…
nowNevada requires written notice for cancellation or nonrenewal under NRS 687B.320-687B.350. Cancellation: at least 10 days for nonpayment, 30 days for other grounds. Nonrenewal: at least 30 days for personal lines (60 days for commercial). Policies in force 70+ days or renewed ca…
Wildfire Cancellation Data
wasPer Nevada Division of Insurance 2025 Insurance Market Report: in 2023, 481 homeowners policies in Nevada were canceled or non-renewed due to wildfire risk (an 82% increase from 264 in 2022). Nearly 5,000 homeowners app…
nowPer Nevada Division of Insurance 2025 Insurance Market Report: in 2023, 481 homeowners policies in Nevada were canceled or non-renewed due to wildfire risk (an 82% increase from 264 in 2022). Nearly 5,000 homeowners applications were declined for wildfire risk in 2023, a 104.8% …
Minnesota · 2 changes
Recent Changes
wasPer III FY2024 reporting: approximately 4,261 policies in force, total exposure approximately $457 million. Minnesota saw rising homeowners insurance rates driven by severe storm/hail losses, MN is among the most hail-a…
nowPer III FY2024 reporting: approximately 4,261 policies in force, total exposure approximately $457 million. Minnesota saw rising homeowners insurance rates driven by severe storm/hail losses; MN is among the most hail-active states. In 2024, Minn. Stat. 65A.29 was amended to add…
Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) ↗
Eligibility Rule
wasApplicants must have been 'canceled, non-renewed, or otherwise unable to obtain coverage from an insurer in the private market' before qualifying. Documentation of rejection from the standard market required. Property m…
nowApplicants must have been canceled, non-renewed, or otherwise unable to obtain coverage from an insurer in the private market before qualifying. Documentation of rejection from the standard market required. Property must meet minimum insurability standards. Homeowners coverage a…
Minnesota Laws 2025, 1st Special Session, Chapter 4 (MN Revisor) ↗
New Jersey · 3 changes
State Doi Consumer Url
washttps://www.nj.gov/dobi/division_consumers/insurance/homeowners.htm
nowhttps://www.nj.gov/dobi/division_consumers/insurance/homeowner.htm
Lodging Or Other Notes
wasNJIUA is funded by premiums plus assessments on member insurers (all admitted NJ property insurers, by market share), with the New Jersey Insurance Development Fund (N.J.S.A. 17:37A-18 et seq.) as a statutory backstop; …
nowNJIUA is funded by premiums plus assessments on member insurers (all admitted NJ property insurers, by market share), with the New Jersey Insurance Development Fund (N.J.S.A. 17:37A-18 et seq.) as a statutory backstop; a 'FAIR Plan surcharge' regulation (N.J.A.C. 11:1-5.1) gover…
N.J.A.C. 11:1-5.1; New Jersey Department of Banking and Insurance (nj.gov/dobi) ↗
Non Renewal Rules
wasNew Jersey (N.J.A.C. 11:1-20, Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies; and N.J.S.A. 17:36-5.16 et seq.): N.J.A.C. 11:1-20.4(l) permits insurers to cancel a policy for any non…
nowNew Jersey (N.J.A.C. 11:1-20, Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies; and N.J.S.A. 17:36-5.16 et seq.): N.J.A.C. 11:1-20.4(l) permits insurers to cancel a policy for any non-prohibited reason during the FIRST 60 days the policy is in…
Louisiana · 3 changes
Non Renewal Rules
wasLouisiana's '3-year rule' (La. R.S. 22:1265) was materially WEAKENED by HB 611 (Act of 2024 Regular Session), effective August 1, 2024. For policies ISSUED AFTER August 1, 2024, the 3-year rule does NOT apply at all (ne…
nowNOTICE PERIOD: Louisiana HB 345 (Act 182, 2025 Regular Session), effective July 1, 2026, extends the written notice period for cancellations and non-renewals from 30 days to 60 days for most property and casualty policies including homeowners (La. R.S. 22:887, 22:1266, 22:1267, …
Recent Changes
wasLA Citizens enrollment surged after the 2020-2021 hurricane wave (Laura, Delta, Zeta, Ida) and the resulting insolvency of roughly a dozen carriers, peaking at approximately 140,000 policies in summer 2023; since 2024 i…
nowLA Citizens enrollment surged after the 2020-2021 hurricane wave (Laura, Delta, Zeta, Ida) and the resulting insolvency of roughly a dozen carriers, peaking at approximately 140,000 policies in summer 2023. As of November 2025, the policy count stood at approximately 105,000 (do…
Premium Positioning
wasHistorically more expensive than the private market by design: La. R.S. 22:2303 requires LA Citizens' rates to be set at least 10% above the highest rate charged by any admitted private insurer in the parish, an intenti…
nowHistorically more expensive than the private market by design: La. R.S. 22:2303 requires LA Citizens' rates to be set at least 10% above the highest rate charged by any admitted private insurer in the parish, an intentional last-resort disincentive. LA Citizens imposed a roughly…
Kansas · Non Renewal Rules
wasKansas requires at least 30 days' written notice before a homeowners policy non-renewal per the Kansas Insurance Department Home and Renters Shopper's Guide. No specific Kan. Stat. Ann. section governing a personal-line…
nowKansas requires at least 30 days written notice before cancellation of a fire or casualty policy (K.A.R. 40-3-15, a Kansas administrative regulation). For NON-renewal: Kansas requires at least 30 days' written notice before a homeowners policy non-renewal per the Kansas Insuranc…
North Dakota · Regulatory Authority
wasNorth Dakota Insurance Department
nowNorth Dakota Insurance and Securities Department
North Dakota Insurance and Securities Department Contact Us ↗
Mississippi · 2 changes
Non Renewal Rules
wasGoverned by Miss. Code §83-5-28 and Mississippi HB 1611 (2025 session, signed by Governor 2025-03-21). Two regimes apply in a transition window that closes within weeks: for policies issued or renewed THROUGH June 30, 2…
nowGoverned by Miss. Code 83-5-28 as amended by Mississippi HB 1611 (2025 session, signed by the Governor 2025-03-21, effective 2025-07-01). The 45-day notice requirement is now in effect for all personal-lines property and casualty policies: carriers must give 45 days written noti…
Recent Changes
wasMississippi has TWO residual-market plans and they are different orders of magnitude. MRPIUA (FAIR Plan, statewide fire & EC for low-value/hard-to-place dwellings): ~2,237 habitational policies / ~$138M exposure per III…
nowMississippi has TWO residual-market plans and they are different orders of magnitude. MRPIUA (FAIR Plan, statewide fire and EC for low-value/hard-to-place dwellings): ~2,237 habitational policies / ~$138M exposure per III FY2024 (III excludes MS commercial policies). MWUA (Beach…
Montana · 2 changes
Hero Stat Override
was22.1%
now22.1%
S&P Global Market Intelligence RateWatch / NAIC rate-filing data; Insurance Information Institute ↗
Market Outlook 2026
wasMontana's homeowners market is among the most stressed in the country on availability and pricing. Rates rose 22.1% in 2024 (tied for largest one-year jump nationally) and another 18% in 2025; six-year cumulative growth…
nowMontana's homeowners market is among the most stressed in the country on availability and pricing. Rates rose 22.1% in 2024 (tied for largest one-year jump nationally, per S&P Global Market Intelligence RateWatch / NAIC rate-filing data) and approximately 18% in 2025 per separat…
Iowa · 3 changes
Premium Positioning
wasGenerally more expensive than the standard market for narrower coverage; ACV basis (no replacement cost) means lower effective coverage than a typical homeowners policy. Iowa home insurance rates rose materially in 2024…
nowGenerally more expensive than the standard market for narrower coverage; ACV basis (no replacement cost) means lower effective coverage than a typical homeowners policy. Iowa home insurance rates rose materially in 2024 amid rising tornadoes, hailstorms, and insurer rate increas…
Recent Changes
wasKey 2024 change: Iowa FAIR Plan temporarily suspended the unresolved/unpaid claims ineligibility rule effective July 1, 2024, to prevent coverage gaps for storm-damaged Iowans who received cancellation/non-renewal notic…
nowKey 2024 change: Iowa FAIR Plan temporarily suspended the unresolved/unpaid claims ineligibility rule effective July 1, 2024, to prevent coverage gaps for storm-damaged Iowans who received cancellation/non-renewal notices before securing replacement coverage. Iowa has experience…
Carriers Pulled Back
wasAt least four carriers have fully exited Iowa homeowners insurance writing: Pekin Insurance withdrew from Iowa homeowners writing in January 2024 (per KCRG May 2024 reporting); IMT Insurance paused new personal lines po…
nowAt least four carriers have fully exited Iowa homeowners insurance writing: Pekin Insurance withdrew from Iowa homeowners writing in January 2024 (per KCRG May 2024 reporting); IMT Insurance paused new personal lines policies in Iowa in July 2024 and stopped renewing existing si…
Nebraska · 2 changes
Roof Coverage Practice
wasSince 2022-2023, Nebraska homeowners insurance carriers have increasingly shifted roof coverage from replacement cost value (RCV) to actual cash value (ACV) endorsements, with depreciation schedules tied to roof age. Th…
nowSince 2022-2023, Nebraska homeowners insurance carriers have increasingly shifted roof coverage from replacement cost value (RCV) to actual cash value (ACV) endorsements, with depreciation schedules tied to roof age. This is a market-driven response to hail-loss frequency rather…
Nebraska Department of Insurance, Rules and Regulations Index (210 NAC Chapter 60) ↗
Premium Growth 2024
wasNebraska homeowners insurance premiums rose approximately 22.1 percent in 2024 (tied with Montana for the largest one-year jump nationally per S&P Global Market Intelligence rate-filing aggregation); S&P Global puts the…
nowNebraska homeowners insurance premiums rose approximately 22.7 percent (weighted average) in 2024 per S&P Global Market Intelligence rate-filing aggregation, the largest one-year jump nationally. Nebraska ranked sole #1; Montana ranked #2 at 22 percent and Iowa ranked #3 at 21.1…
Carrier Management (citing S&P Global Market Intelligence rate-filing data, January 2025) ↗
Georgia · 3 changes
Eligibility Rule
wasFAIR Plan / market of last resort: available to any person with an insurable interest in Georgia property who is unable to obtain property insurance in the standard (admitted) market. Georgia does not publish a fixed nu…
nowFAIR Plan / market of last resort: available to any person with an insurable interest in Georgia property who is unable to obtain property insurance in the standard (admitted) market. Georgia does not publish a fixed numeric declination count in statute; the practical gate is th…
Georgia Underwriting Association (official plan operator) / O.C.G.A. § 33-33-1 ↗
Perils Covered
wasPersonal-lines options include a Basic Homeowners (HO-8) form and a Dwelling Fire (DP-1) form, plus a wind/hail-only policy in eligible coastal areas, and commercial fire. Named-peril coverage: fire, lightning, windstor…
nowPersonal-lines options include a Basic Homeowners (HO-8) form and a Dwelling Fire (DP-1) form, plus a wind/hail-only policy in eligible coastal areas, and commercial fire. Named-peril coverage: fire, lightning, windstorm/hail, vandalism and malicious mischief, etc. Optional add-…
Recent Changes
wasGeorgia homeowners premiums rose ~8.6-9% in 2025 (vs ~5.6% national) and ~24% cumulatively 2023-2025 / ~39.7% since 2021; ~10% further increase projected for 2026. Driver: Hurricane Helene (landfall Sept 2024) plus seve…
nowGeorgia homeowners premiums rose approximately 8.6-9% in 2025 (vs approximately 5.6% national) and approximately 24% cumulatively 2023-2025, approximately 39.7% since 2021; approximately 10% further increase projected for 2026. Driver: Hurricane Helene (landfall September 2024) …
Insurance Journal / Georgia Governor's Office signed legislation 2026 ↗
New York · Recent Changes
wasNYPIUA wrote 20,669 habitational policies and 1,556 commercial policies in FY2024 (total exposure: $7.633 billion), small relative to the CA / FL / TX / LA coastal pools. Pressure points: Long Island / NYC coastal-area …
nowNYPIUA wrote 20,669 habitational policies and 1,556 commercial policies in FY2024 (total exposure: $7.633 billion), small relative to the CA / FL / TX / LA coastal pools. Pressure points: Long Island / NYC coastal-area carriers tightening hurricane-exposure underwriting and roof…
Insurance Information Institute, FAIR Plans by State, FY2024 (NYPIUA row) ↗
Indiana · Non Renewal Rules
wasResidential property insurance non-renewal: insurer must mail written notice to named insured at least 20 days before policy expiration (Ind. Code 27-7-12-4). Cancellation: 10 days notice for non-payment; 20 days for mi…
nowResidential property insurance non-renewal: insurer must mail written notice to the named insured at least 60 days before policy expiration (Ind. Code 27-7-12-4, as amended by HEA 1260 / Public Law 86, effective 2026-07-01; the prior notice period was 20 days). Cancellation: 10 …
Indiana HEA 1260 / Public Law 86 (2026) amending IC 27-7-12-4 (Indiana General Assembly) ↗
Maine · Premium Baseline
wasAccording to the NAIC May 2025 dwelling-fire and homeowners report, Maine had the 10th-lowest average homeowners insurance premiums in 2022 (the most recent year for which NAIC state-level data is available). Maine has …
nowAccording to the NAIC May 2025 dwelling-fire and homeowners report, Maine had the 10th-lowest average homeowners insurance premiums in 2022 (the most recent year for which NAIC state-level data is available). Maine has held the 9th, 10th, or 11th-lowest position since 2009 and h…
Tennessee · 2 changes
Inquiry Vs Claim Protection
wasTenn. Code § 56-7-113 bars insurers from increasing premium or canceling a homeowners policy solely on the basis of an inquiry; a violation is an unfair trade practice under the Tennessee Unfair Trade Practices and Unfa…
nowTenn. Code § 56-7-113 bars insurers from increasing premium or canceling a homeowners policy solely on the basis of an inquiry; a violation is an unfair trade practice under the Tennessee Unfair Trade Practices and Unfair Claims Settlement Act of 2009.
Tennessee Department of Commerce and Insurance, Insurance Division - Rules and Laws (TCA Title 56) ↗
Tornado Exposure
wasTennessee recorded 1,392 tornadoes 1950-2024 per NOAA SPC (425 fatalities, 5,098 injuries; 1 F5/EF5; 122 EF3+). Annual average 1995-2025 = ~31 tornadoes/yr; long-run 1950-2025 average ~19/yr. Recent years: 2020 = 35 (27…
nowTennessee recorded 1,456 tornadoes 1950-2025 per NOAA NWS Nashville (408 fatalities, 5,098 injuries on prior injury count; EF5/F5 count: 1; EF3+ count: 122). Annual average 1995-2025 = ~31 tornadoes/yr; long-run 1950-2025 average ~19/yr. Recent years: 2020 = 35 (27 deaths, incl.…
Alaska · 2 changes
Non Renewal Rules
wasAlaska's cancellation and nonrenewal rules sit in two distinct statutes. AS 21.36.220 governs MID-TERM CANCELLATION: at least 30 days' notice for personal property/casualty (20 days for nonpayment of premium, 10 days fo…
nowAlaska's cancellation and nonrenewal rules sit in two distinct statutes. AS 21.36.220 governs MID-TERM CANCELLATION: at least 30 days' notice for personal property/casualty (20 days for nonpayment of premium, 10 days for fraud or crime); 60 days for commercial. AS 21.36.240 gove…
Recent Changes
wasJan 15, 2025: Sen. Bert Stedman (R, Southeast Alaska District A) introduces Senate Bill 11 to create the Alaska Flood Authority, which would offer state flood insurance mirroring NFIP coverage limits, funded entirely by…
nowJune 24, 2025: Governor Dunleavy signs SB 132 (Ch. 17 SLA 25), Omnibus Insurance Bill. Effective January 1, 2026: personal-lines nonrenewal notice extended from 20 days to 45 days under AS 21.36.240; nonrenewal of a personal insurance policy limited to the policy's annual annive…
Utah · Premium Baseline
wasUtah average homeowners premium in 2024 ranged from approximately $1,168 to $1,541 depending on methodology, with most sources clustering around $1,200 to $1,500 for a typical replacement-cost policy. The standout figur…
nowUtah average homeowners premium in 2024 ranged from approximately $1,168 to $1,541 depending on methodology, with most sources clustering around $1,200 to $1,500 for a typical replacement-cost policy. The standout figure for Utah is the speed of increase: premiums grew approxima…
Hawaii · 2 changes
Carriers Pulled Back
wasThe 2023-2025 stress was concentrated in CONDO master policies (the hurricane layer) rather than single-family homeowners, many primary insurers cut their hurricane sub-limits (to roughly 20-30% of building value), forc…
nowUniversal Property & Casualty Insurance Company (UPC) exited the Hawaii homeowners, condominium, and renters insurance market statewide. Non-renewals began with policies having anniversary dates on or after September 1, 2023; last policies effective August 31, 2024. Approximatel…
Recent Changes
wasHawaii condo insurance crisis (2023-2025): after the August 2023 Maui (Lahaina) wildfire and a hard global reinsurance market, roughly 375-390 condominium buildings became underinsured for hurricane; some AOAOs saw hurr…
nowHawaii condo insurance crisis (2023-2025): after the August 2023 Maui (Lahaina) wildfire and a hard global reinsurance market, roughly 375-390 condominium buildings became underinsured for hurricane; some AOAOs saw hurricane premiums spike by up to roughly 1,000%, and Fannie Mae…
Connecticut · Non Renewal Rules
wasConnecticut (Conn. Gen. Stat. § 38a-323): a personal-risk (homeowners) insurer must give at least 60 days' advance written notice of intent not to renew, and the notice must state or be accompanied by the reason for non…
nowConnecticut (Conn. Gen. Stat. § 38a-323): a personal-risk (homeowners) insurer must give at least 60 days advance written notice of intent not to renew, and the notice must state or be accompanied by the reason for non-renewal; the same 60-day notice applies to a conditional ren…
Arizona · 3 changes
Premium Baseline
wasArizona average HO-3 (the most common homeowners policy form) premium increased about 20% from 2018 to 2022 per DIFI; LendingTree's State of Home Insurance 2025 reports a 70% increase 2019-2025 (4th-largest in the US), …
nowArizona average HO-3 (the most common homeowners policy form) premium increased about 20% from 2018 to 2022 per the DIFI Resiliency and Mitigation Council 2025 Final Report; aggregated rate-filing data show a roughly 70% increase 2019-2025 (4th-largest in the US), and a 13% incr…
Rate Approval Regime
wasArizona is a file-and-use state. DIFI has no statutory authority to set or approve homeowners insurance rates; carriers file and may begin using rates without prior approval, subject to DIFI review for compliance.
nowArizona is a use-and-file state under A.R.S. 20-385. Carriers may begin using rates immediately upon their effective date and must file them with DIFI within 30 days of effectiveness. DIFI has no authority to require pre-approval of rates before use, except in a noncompetitive m…
A.R.S. 20-385 (Filing of rates), Arizona Revised Statutes Title 20 ↗
Average Premium
wasRoughly $2,300 to $2,700 per year for a typical Arizona homeowner in 2025, slightly below the US average (~$2,800). Range: ~$1,571 to $7,354 by coverage / location. Phoenix metro tends higher than Gilbert and Mesa; Pres…
nowRoughly $2,300 to $2,700 per year for a typical Arizona homeowner in 2025, slightly below the US average (~$2,800). Range: ~$1,571 to $7,354 by coverage / location. Phoenix metro tends higher than Gilbert and Mesa; Prescott / Flagstaff / Payson WUI homes can exceed $5,000.
Oregon · Statute
wasORS 735.005-735.145 (Oregon FAIR Plan Association); ORS 735.045 (membership requirement for all admitted OR property insurers); ORS 742.566 (homeowners non-renewal notice, 30 days); ORS 746.687 (mid-term cancellation gr…
nowORS 735.005-735.145 (Oregon FAIR Plan Association); ORS 735.045 (membership requirement for all admitted OR property insurers); ORS 742.566 (homeowners non-renewal notice, 30 days); ORS 746.687 (mid-term cancellation grounds); ORS 742.277 + ORS 742.278 (codified from SB 82, 2023…
New Hampshire · Recent Legislation
wasNH 2024-2025 property-insurance package (most consequential first): SB 121 (2025), signed by Governor Kelly Ayotte (who replaced Sununu 2025-01-08) on 2025-07-18, requires any fire/casualty insurer ceasing to write an e…
nowNH 2024-2026 property-insurance package (most consequential first): SB 121 (2025), signed by Governor Kelly Ayotte on 2025-07-15 (Chapter 232; effective 2025-09-13), requires any fire/casualty insurer ceasing to write an entire line in NH to give NHID and agents of record 120 da…
NH General Court (SB 121 enrolled text, Chapter 232) + NH General Court (HB 1259) ↗
California · 2 changes
Recent Changes
wasPolicies in force ~684,388 as of March 2026 (up ~6% since Sep 2025; up ~152% since Sep 2022); total exposure ~$750 billion as of March 2026 (up ~8% since Sep 2025; up ~242% since Sep 2022). In autumn 2025 the FAIR Plan …
nowPolicies in force ~684,388 as of March 2026 (up ~6% since Sep 2025; up ~152% since Sep 2022); total exposure ~$750 billion as of March 2026 (up ~8% since Sep 2025; up ~242% since Sep 2022); written premium $2.02 billion as of March 2026 (up ~4% since Sep 2025; up ~208% since Sep…
California Department of Insurance - FAIR Plan Stipulation and Order No. 2026-2 ↗
Carriers Pulled Back
wasState Farm General: stopped accepting new homeowners/property & casualty applications statewide effective May 27, 2023; non-renewed ~30,000 homeowners and ~42,000 commercial apartment policies in 2024; received 17% emer…
nowState Farm General: stopped accepting new homeowners/property & casualty applications statewide effective May 27, 2023; non-renewed ~30,000 homeowners and ~42,000 commercial apartment policies in 2024; received 17% emergency interim rate increase on homeowners effective June 1, …
Ohio · Non Renewal Rules
wasOhio is unusual: ORC §3937.25 covers grounds for cancellation of commercial property/fire/casualty (with §3937.30 separately covering automobile insurance under the same chapter); §3937.26 sets 30-day non-renewal notice…
nowOhio is unusual: ORC §3937.25 covers grounds for cancellation of commercial property/fire/casualty (with §3937.30 separately covering automobile insurance under the same chapter); §3937.26 sets 30-day non-renewal notice on the same commercial lines. Homeowners/residential proper…
Ohio House of Representatives: HB 652 Committee Page (136th General Assembly) ↗
Illinois · Recent Changes
wasRate increases approved by IL DOI on the IFPA's own filings: Homeowners +11.6% statewide average effective 04/01/26; Dwelling Fire +13.8% effective 04/01/25; Homeowners +9.4% effective 04/01/24; Dwelling Fire +9.6% effe…
nowRate increases approved by IL DOI on IFPA filings: Homeowners +11.6% statewide average effective 04/01/26; Dwelling Fire +13.8% effective 04/01/25; Homeowners +9.4% effective 04/01/24; Dwelling Fire +9.6% effective 04/01/23; Homeowners +8.3% effective 04/01/22. Policy count appr…
Kentucky · Recent Changes
wasPolicies in force: 3,539 as of January 2025 (down 6.2% from end of 2023). Policy mix: Dwelling Fire 85%, Homeowner 11%, Commercial 3%, Farm 1%. Claims in 2024: 132. Loss ratio: 44.38%; combined ratio: 135.90%. Member eq…
nowPolicies in force: 3,189 as of January 2026 (down approximately 9.9% from 3,539 in January 2025). Policy mix: Dwelling Fire 85%, Homeowner 11%, Commercial 3%, Farm 1%. Claims in 2025: 159 (up from 132 in 2024). Loss ratio: 52.25%; combined ratio: 140.92% (year-end 2025). Member …
Kentucky FAIR Plan Reinsurance Association + apps.legislature.ky.gov (HB 256 / SB 153) ↗
See how we compile and verify for the full method, and /states/ for every state with its current verified-through date.