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Nonrenewals and Insurers Leaving states
California California home insurance: State Farm's pause, a FAIR Plan near 700,000 policies, wildfire nonrenewal rules, CEA earthquake cover and claim deadlines. Idaho Idaho has no FAIR plan. Liberty Mutual and State Farm lead, premiums rose 37% in 2022-2024, and wildfire nonrenewals push more homes to surplus lines. Maine Maine home insurance: a fragmented market led by State Farm, below-average premiums, strong nonrenewal protections, hurricane deductible rules and no FAIR plan. Maryland Maryland home insurance: a market spread across five big groups, a statewide hurricane deductible trigger, a credit-score ban, the JIA and claim deadlines. Massachusetts Massachusetts home insurance: a market led by regional carriers, a growing FAIR Plan on Cape Cod, mandatory wind deductibles, and claim and nonrenewal rules. Missouri Missouri home insurance: State Farm and American Family lead, hail and the 2025 tornado season drive premiums, and New Madrid quake cover stays rare. Montana Montana has no FAIR plan. State Farm and Liberty Mutual lead, premiums rose 74% from 2018 to 2024, and wildfire nonrenewals hit Ravalli and Flathead counties. Nevada Nevada home insurance: State Farm leads a low-premium market, wildfire drives declines, a 2026 law allows wildfire exclusions, and there is no FAIR plan. Pennsylvania Pennsylvania home insurance: State Farm and Erie lead, premiums run below average, nonrenewal rules are strict, and flood and mine subsidence cost extra. Washington Washington home insurance: five big groups split the market, wildfire nonrenewals have doubled, quake cover is extra, and new claim rules start Oct. 18, 2026.