California renewal and nonrenewal checklist.

If you received a renewal

Compare the new premium, dwelling limit, deductibles, endorsements, and wildfire-related terms. Ask your insurer or agent what changed and whether mitigation information is reflected correctly.

If you received a nonrenewal

Do not wait until the last week to search. The California Department of Insurance provides residential insurance information and disaster-related guidance, including steps for homeowners having difficulty finding coverage.

Compare carefully

California policies may differ in replacement-cost terms, wildfire risk treatment, deductibles, personal property limits, and loss-of-use coverage. Compare the declarations pages and ask whether any quote changes your coverage materially.

Official California resources

• California DOI home and residential insurance
• California DOI compare insurance premiums
• California DOI disaster insurance guidebook

Contribute to the tracker

California homeowners can add an anonymous renewal change. The tracker records only state, renewal month, and two annual premium totals.