In March 2024, State Farm General said it would not renew about 72,000 California property policies, including an estimated 30,000 homeowners and rental-dwelling policies, on top of the May 2023 freeze on new homeowners business. It is still the largest homeowners writer in the state. It is not writing new HO-3s.
That combination is why so many households landed on the California FAIR Plan, the residual fire market. A FAIR Plan policy is not a full homeowners policy. It covers fire, lightning, and a short list of named perils. It does not replace theft, water, liability, or most of what an HO-3 does. The usual fix is a difference-in-conditions wrap on top.
Chula Vista and the rest of San Diego County are not Palisades, but the same nonrenewal math applies wherever a carrier’s wildfire score, roof age, or brush clearance fails the model. If you got a nonrenewal, the work is the same: harden the property where you can, shop admitted markets first, and treat the FAIR Plan as last resort — not first quote.
If this is on your renewal, call the office at (619) 420-8600 or start a quote. We will tell you what the market will actually write.
Sources: Insurance.com on State Farm in California; Bankrate on the FAIR Plan.