Finding Affordable Insurance in California

If you’re a homeowner or driver in California, you’ve probably noticed something frustrating lately: insurance is getting harder to find, and more expensive when you do find it.

What’s going on?

Well, a lot of the big-name companies that people have trusted for years are scaling back, non-renewing policies, or pulling out of California entirely. Companies like State Farm and Allstate have stopped writing new home insurance policies, and others are quietly following suit or hiking rates to the point where they’re no longer competitive.

For auto insurance, things aren’t much easier. Companies like Progressive still hold a large market share in California, but premiums keep rising, and many drivers are seeing fewer choices when shopping around for better rates.

So Who’s Still Writing Good Policies?

There are still some solid companies out there—Mercury, Travelers, AAA to name a few, but it’s getting harder for Californians to clearly know which ones are truly offering the best mix of value, coverage, and customer service. That’s especially true because availability and pricing often change depending on where you live, your driving history, or even your home’s proximity to wildfire zones.

And when your current company suddenly decides not to renew your home insurance, you’re left scrambling to figure out who to trust next.

This Is Where Working With an Independent Agent Changes Everything

At Millsap Insurance, we’re not locked into one company or one type of policy. That means you don’t have to start over every time the market shifts. Instead of chasing quotes or navigating it all yourself, we help you find real solutions that make sense for your life and budget.

How We Help You:

• Options, Not Limits

  We work with a variety of carriers, so you’re not stuck with one company’s rules or prices.

• We Stay Ahead of the Market

  We keep up with which carriers are still writing in California and which ones are offering actual value—not just high premiums with less coverage.

• You’re Not Alone If You Get Dropped

  If your home policy doesn’t get renewed, we can help you line up a new plan quickly.

• You Get a Real Person, Not a Call Center

  We’re available when you need us and focused on building a relationship, not just selling a policy.

• Clear Answers, No Pressure

  We’ll walk you through your options and explain everything in plain language so you know what you’re getting and why.

It’s not your imagination—insurance in California really is getting tougher. But that doesn’t mean you have to settle for overpriced or confusing coverage. With the right guidance, you can still find great protection for your home or car.

Reach out today and let’s find the best fit for your needs, without the stress.