Key takeaways
- We are not State Farm and have no relationship with them. We cannot access or change your policy.
- California's moratorium is narrower than the headlines. The stipulation bars new block non-renewals of homeowners forms during 2026 — it does not bar an individual non-renewal, and cancellation is expressly carved out.
- No insurer publishes a consumer-facing roof-age rule, though some states do require guidelines to be filed and treat them as inspectable. A page quoting a cut-off without naming the filing is guessing.
- The complaint index is the one comparable per-insurer number regulators publish. It is complaints divided by market share, it is state-specific, and it says nothing about price or coverage.
- Do not let the policy lapse while you dispute. A coverage gap is its own decline reason on the next application.
Holding a non-renewal notice? A licensed agent can tell you what your options are while the paperwork plays out.
Call [PENDING][PENDING]. Calls are answered by [PENDING], a licensed insurance agency (NPN [PENDING]). HomeCoverDesk is not affiliated with any insurer. Calls may be recorded or monitored for quality and training purposes. Our partner does not offer every insurer or every product available in your state.First, what this page is
We are not State Farm, and we have no relationship with State Farm. We are a private, advertising-supported website. We are not their agent, not affiliated with them, not endorsed by them, and we cannot access, change, reinstate or appeal your policy. If you need to reach State Farm you should use the contact details on your own policy documents.
What we can do is set out what is on the public record about them where a regulator has published something, show you how to check the rest yourself, and explain what happens next when any insurer non-renews you.
And we will be plain about the limit of that. No insurer publishes a consumer-facing statement of its underwriting rules, and there is no national public database of them. A few states go further than that — Missouri requires guidelines to be filed and treats them as public records, Texas requires residential property guidelines to be filed, and California has held that underwriting rules submitted with a rate application are open to inspection — so the rules are not always invisible, they are just not where a consumer would look. Pages that state a named insurer's roof-age cut-off without citing that filing are guessing.
| Question you want answered | Can it be established? |
|---|---|
| Is my policy being non-renewed lawfully? | Partly. Your state sets the notice period and usually requires a stated reason. Those are checkable against your state's statute and your notice |
| What is their complaint record? | Yes. Published per insurer by state regulators and through the NAIC's consumer lookup. How to read it is below, including what it does not mean |
| Are they licensed in my state, and financially sound? | Yes. Your state department of insurance publishes license status; financial strength ratings are published by the rating agencies |
| Have they announced a market action where I live? | Sometimes. Where a regulator has opened a proceeding or an insurer has filed a withdrawal, it is on the public record. California's is unusually well documented; most states publish far less |
| What is their roof-age cut-off? | Not from the insurer. No insurer publishes a consumer-facing roof-age rule and there is no national public database. But some states do collect guidelines and make them inspectable — Missouri requires filing and treats them as public records, Texas requires residential property guidelines to be filed, and California has held that underwriting rules filed with a rate application are open to public inspection. A site quoting a specific insurer's roof-age rule without naming that filing is guessing |
| Will they write my house? | No. Appetite varies by state, by ZIP code, by construction and by month. An agent who can run it is the only way to find out |
| Are they good? | Not by us. We do not rate, rank or review insurers anywhere on this site |
What can and cannot be established about an insurer
It is worth being systematic about this, because the difference between the two columns below is the difference between checking something and being told a story.
| What | The published position | Status |
|---|---|---|
| Emergency interim rate — homeowners | +17.0%, unchanged by the settlement | Adopted in 2025 following an administrative law judge's ruling |
| What the stipulation actually says | State Farm agrees to “refrain from making any new block non-renewals during 2026 with respect to the homeowners policy forms covered by this settlement/stipulation” | Read the three limits. Block non-renewals, not individual ones. Homeowners forms, not all lines. During 2026, so about four months from now — not a year |
| What it does not do | It does not bar an individual non-renewal, and it does not bar cancellation — the word cancellation appears in the stipulation only in a carve-out preserving cancellation under Insurance Code section 676 | If you are holding an individual non-renewal notice, this provision very likely does not protect you. Work to your notice date |
| Separate continuation for fire-affected policies | Far narrower than we first described it. The stipulation continues in force, until the end of 2026, policies “originally slated for nonrenewal in SFG's March, 2024 filing number 24-651 as shown in Exhibit 18 to that filing”. It is that Exhibit 18 list — not every policy in a Palisades or Eaton ZIP code. It also does not extend to policies canceled or non-renewed under Insurance Code section 676 | And the fire-claim limb may not exist at all. The parties asked for a finding that complying would not itself be unfair discrimination under sections 1858 or 1861.05(a), and wrote that the agreement as to that group “is void absent such a finding”. The final order says it “does not make findings on issues unaddressed by the May 7, 2026 Proposed Decision, including the continuation of certain policies and the potential issue of unfair discrimination”. An earlier version of this page called this the provision most likely to help a fire-affected policyholder. Check whether your policy is on the Exhibit 18 list before relying on any of it |
| Status | Commissioner Lara signed the final order on 23 July 2026, adopting the stipulation | The rates and refunds are final, not proposed. The department published no press release announcing it, which is why it is easy to miss — we missed it ourselves. Confirm current status with the department |
| Rental dwelling rate | Reduced from +38% to +32.8% | Refunds with 10% interest back to 1 June 2025. Final under the 23 July 2026 order |
| Condominium rate | Cut from +15.0% to about +5.8% | Refunds with 10% interest back to 1 June 2025. Final under the 23 July 2026 order |
| Renters rate | About +15.65%, slightly above the prior +15.0% interim rate | Final under the 23 July 2026 order |
| An open enforcement matter | On 4 May 2026 the department announced legal action following a market conduct examination of Los Angeles wildfire claims, filing an Accusation and Order to Show Cause | This is an accusation, not a finding. It is before an administrative law judge and nothing has been decided. We include it because this table claims to be the record as at today, and leaving out an open matter would make that false |
| Wildfire survivors | The department announced that State Farm rescinded non-renewals following the Commissioner's call to action, offering renewals to Los Angeles County policyholders pending non-renewal or cancellation | Announced by the department in 2025. Note the county limit — it was not statewide |
Need coverage in place before your notice date? A licensed agent can work it in parallel.
Call [PENDING][PENDING]. Calls are answered by [PENDING], a licensed insurance agency (NPN [PENDING]). HomeCoverDesk is not affiliated with any insurer. Calls may be recorded or monitored for quality and training purposes. Our partner does not offer every insurer or every product available in your state.If you are in California, there is an actual public record
California is the exception to almost everything above, because State Farm General has been in an active, documented proceeding before the state's insurance department, and that department publishes its filings and decisions.
The item everyone reaches for is the moratorium, and it is the item most widely reported wrong — including, until 23 August 2026, by us.
The department's own press release describes it broadly: a moratorium on “homeowners, rental dwelling, condominium, and renters non-renewals and cancellations for at least one additional year”. The stipulation itself says something considerably narrower. Its words are: refrain from making any new block non-renewals during 2026 with respect to the homeowners policy forms covered by the settlement.
Three limits, and each one matters to a different reader. It covers block non-renewals — the mass kind — not an individual non-renewal of your policy. It covers homeowners forms, not the four lines the press release lists. And it runs during 2026, which from today is about four months, not a year. The word cancellation appears in the stipulation only in a carve-out preserving cancellation under Insurance Code section 676.
So if you are holding an individual non-renewal notice, this provision very likely does not protect you. There is a separate and more specific provision that may: certain policies affected by the Palisades and Eaton fires are continued in force until the end of 2026, and that one does cover homeowners, renters, condo unit owner and rental dwelling.
On status: the Commissioner signed the final order on 23 July 2026, adopting the stipulation. The department published no press release announcing it, which is why this page previously said no final decision could be found. That was our error — a search of news releases is not a search of filings. Confirm the current position with the department before relying on any of it.
| Point | What is actually the case |
|---|---|
| The formula | “COMPLAINT INDEX = COMPANY'S COMPLAINTS / COMPANY'S MARKET SHARE” |
| What 1.00 means | “A complaint index of 1.00 means the insurer's share of all complaints received is equal to its share of all the business written” in that state. Above 1.00 is more complaints than size alone would predict; below is fewer |
| Why size is in the denominator | Without it the largest insurer would always look worst. The index is designed to be comparable between a very large insurer and a small one |
| What it does not tell you | The Kansas department's own caution: “Complaint indexes do not tell you everything about a company.” It says nothing about price, coverage breadth, or whether the insurer will write your house |
| Why we publish no number here | It is state-specific and it moves. A figure copied onto a web page goes stale silently, which is the failure mode we refuse everywhere else on this site. Look up the current one yourself |
Reading a complaint index without over-reading it
This is the one genuinely comparable per-insurer number that regulators publish, and it is routinely misused — usually by being quoted as a score.
It is a ratio: complaints divided by market share. Size is in the denominator precisely so that the biggest insurer does not automatically look worst. A value of 1.00 means the insurer's share of complaints matches its share of the business written in that state.
Two cautions. It is state-specific — the same insurer can sit above 1.00 in one state and below it in another. And it measures complaints that reached a regulator, which is a narrow window on a company: Kansas's department puts it plainly, “Complaint indexes do not tell you everything about a company.” It says nothing about price, nothing about coverage, and nothing about whether they would write your house.
We deliberately publish no index value on this page. It changes, it differs by state, and a number copied onto a web page decays without any visible signal that it has — which is exactly the failure we spend the rest of this site trying to avoid.
| What you want | Where to get it |
|---|---|
| Complaint index for your state | Your state insurance department's complaint report, and the NAIC's consumer lookup. Both are free |
| License status | Your state department of insurance runs a free lookup. This is the route that works for a consumer |
| Financial strength | The rating agencies publish ratings. Note these measure ability to pay claims, not service quality — a different question from the complaint index |
| Whether a market action has been announced where you live | Your department's news releases and bulletins. California's are unusually detailed; most states publish less |
| What your notice actually has to contain | Your state's non-renewal statute. Notice periods differ enormously — California 45 days, Louisiana 60, Florida 120 |
What to do next
Nothing here is advice about your policy and we have not seen your notice. This is the order the constraints above imply, and it is the same for any insurer.
| Step | What to do | Why here |
|---|---|---|
| 1 | Read the date on the notice and work backwards | Everything below is bounded by it, and the period is set by your state — it may be far longer than you assume |
| 2 | Get the specific stated reason in writing | “Underwriting” is not a reason. The actual finding tells you whether it is fixable |
| 3 | Check whether a moratorium or regulatory action applies to you | After a declared emergency many states bar non-renewal inside a defined area, and a proceeding may have suspended them more broadly |
| 4 | Do not let the policy lapse while you argue | A coverage gap becomes its own decline reason on the next application |
| 5 | Work the market from the top of the ladder down | Standard admitted, then non-standard admitted, then surplus lines, then the last-resort plan. Each rung costs more and covers less |
| 6 | Fix what is fixable before reapplying | Applying again against an unchanged house spends your attempts for nothing |
Corrections to this page (4)
We publish these rather than editing quietly. Our corrections policy explains how we handle errors.
- — We described the stipulation's continuation of fire-affected policies as reaching policies suspended after a total loss, policies in the Palisades and Eaton moratorium ZIP codes, and policies with claims from those fires, and called it the provision most likely to help a fire-affected policyholder. It reaches the policies “originally slated for nonrenewal in SFG's March, 2024 filing number 24-651 as shown in Exhibit 18 to that filing”. The parties also wrote that the agreement as to the fire-claim group “is void absent” a finding on unfair discrimination, and the final order states it does not make findings on that issue.
- — We described California's moratorium using the department's press-release summary — “homeowners, rental dwelling, condominium, and renters non-renewals and cancellations for at least one additional year” — and attributed it to the settlement. The stipulation is far narrower: refrain from new block non-renewals during 2026 as to homeowners policy forms. It does not bar an individual non-renewal, which is what most readers of this page are holding. A press release summarizing a document is not the document.
- — We said no final decision on the settlement could be found. The Commissioner signed the final order on 23 July 2026, a month before we published. The department issued no press release, so a news-release search returned nothing — but our source line claimed verification against filings too, and that is where it was.
- — We stated that underwriting guidelines are not collected by any regulator in public form. Missouri requires them to be filed and treats them as public records, Texas requires residential property guidelines to be filed, and California has held that underwriting rules filed with a rate application are open to inspection.
Methodology and sources
Everything on this page about the California proceeding is read from the stipulation and the department's releases, checked 23 August 2026. Where the department's press release and the underlying stipulation differ in scope, we follow the stipulation and say so. That difference is the substance of this page: a press release summarizing a settlement is not the settlement.
The complaint index formula and the caution about its limits are quoted from the Kansas Insurance Department's Complaint Index 2024 Report, covering complaints closed during 2024. We use Kansas because it states the formula plainly; states compute the index on their own complaint data, so the value for any insurer differs by state.
We publish no complaint index value, no market share figure and no rank. The index moves and is state-specific. On market share, the published tables disagree with each other — one widely cited ranking carries a 2023 heading over figures its own note describes as 2021, and the NAIC's total-premium table is all-lines rather than homeowners. Rather than pick whichever looks best, we say State Farm is among the largest homeowners insurers, which is not in dispute, and leave precise shares to the source documents.
We are not affiliated with State Farm. Naming a company in order to describe what a regulator has published about it is ordinary factual reference. We do not use their marks, do not imply a relationship, and do not rate, rank or review them or any other insurer. If you find an error, our corrections policy explains how we handle it.
Frequently asked questions
Are you State Farm, or connected to them?
No. We are a private, advertising-supported website with no relationship to State Farm — not their agent, not affiliated, not endorsed by them. We cannot see your policy, change it, reinstate it or appeal anything on your behalf. To reach State Farm, use the contact details on your own policy documents.
Why did State Farm non-renew me specifically?
We cannot tell you, and neither can any other website. Insurers do not publish consumer-facing underwriting rules, and while a few states require guidelines to be filed and treat them as inspectable, that is not a route a consumer can use in the days after a notice arrives. What you are entitled to is the reason stated on your notice, which in most states must be given — and if it says only "underwriting", it is reasonable to ask for the specific finding in writing.
Is there a moratorium stopping State Farm non-renewals in California?
Narrower than usually reported. The stipulation, finalized by the Commissioner's order of 23 July 2026, has State Farm refrain from making any new block non-renewals during 2026 with respect to the homeowners policy forms it covers. That is block non-renewals, not individual ones; homeowners forms, not all lines; and during 2026, not a year from now. Cancellation is expressly carved out for the statutory grounds in Insurance Code section 676. A separate provision continues certain Palisades and Eaton fire-affected policies in force until the end of 2026, across four lines. Confirm your own position with the department.
What is State Farm's complaint index?
We are not publishing a number, deliberately. The index is state-specific and it changes, so a figure printed on a web page goes out of date without any signal that it has. Look up the current value through your state insurance department or the NAIC's consumer lookup. Read it as a ratio — complaints divided by market share, where 1.00 means complaints in line with size — and not as a score.
Does a rate increase mean I will be non-renewed?
They are different decisions. A rate change applies to policies that continue; a non-renewal ends one. In California both were live at once during the State Farm proceeding, which is part of why the position there is confusing. Your notice tells you which one you have received, and the distinction matters because the clocks and the options differ.
Should I wait for the regulator, or start shopping?
Start shopping, and treat any regulatory relief as a bonus rather than a plan. Proceedings move slowly and your notice period does not wait for them. Being uninsured even briefly creates a coverage gap that becomes its own reason for the next insurer to decline, so the safe posture is to arrange coverage as though nothing will intervene.