Limited insurer returns amid California’s wildfire-insurance crisis

Allstate and State Farm are seeking narrowly limited approvals to resume writing some California home policies after restricting new business, but the filings may provide little near-term market relief. FAIR Plan growth, large deductibles, and expanding surplus-lines coverage are reaching inland and lower-risk suburbs, while Insurance Commissioner Ricardo Lara and Consumer Watchdog disagree over the significance of insurer filings in the 2026 commissioner contest.