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State Farm no longer accepts homeowner insurance applications in California The
announcement is the latest development in what has been a years-long issue in
California: insurance companies dropping homeowners because of the growing risk
of wildfires.


CLIMATE


STATE FARM HAS STOPPED ACCEPTING HOMEOWNER INSURANCE APPLICATIONS IN CALIFORNIA

May 28, 202311:32 AM ET

Juliana Kim

Enlarge this image

Firefighters hose down a burning house during the Tick Fire in Agua Dulce near
Santa Clarita, Calif., in October 2019. Mark Ralston/AFP via Getty Images hide
caption

toggle caption
Mark Ralston/AFP via Getty Images


Firefighters hose down a burning house during the Tick Fire in Agua Dulce near
Santa Clarita, Calif., in October 2019.

Mark Ralston/AFP via Getty Images

State Farm has stopped accepting homeowner insurance applications in California,
citing the growing risk from catastrophes like wildfires and the rising cost to
rebuild.

"State Farm General Insurance Company made this decision due to historic
increases in construction costs outpacing inflation, rapidly growing catastrophe
exposure, and a challenging reinsurance market," the insurance giant said in a
statement on Friday.

"It's necessary to take these actions now to improve the company's financial
strength," the company added.


CLIMATE


IS YOUR HOUSE AT RISK OF A WILDFIRE? THIS ONLINE TOOL COULD TELL YOU

According to the Insurance Information Institute, State Farm was the leading
company offering home insurance in California.

The decision to forgo coverage went into effect on Saturday. It applies to both
personal and business properties. The company said it will continue to serve
existing customers, as well as offer personal auto insurance.

The measure is the latest development in what has been a years-long issue in
California: insurance companies dropping homeowners because of the growing risk
of wildfires.

In recent years, the state has witnessed some of the most destructive wildfire
seasons in its history. In 2018, the Camp Fire destroyed 11,000 homes and at one
point, displaced nearly 50,000 people. In its aftermath, insurance companies saw
huge losses, causing premiums to go up and toughening eligibility requirements
to get covered.




1A


HOW CLIMATE CHANGE FACTORS INTO HOME INSURANCE PRICING

California officials have attempted to minimize such efforts, by temporarily
barring insurers from dropping customers in areas hit by wildfires and directing
insurance companies to provide discounts.

But as wildfires rage on in the state, so has the issue of insurance
affordability and availability. Last year, American International Group notified
the state's insurance regulator that it will exit the homeowners market.

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