3 More California Home Insurers Get Go-Ahead for Hefty Rate Hikes

Grange, Stillwater, and Wawanesa policyholders face increases ranging from 5% to 40%.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Katie Powers
Edited byKatie Powers
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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John Leach
Reviewed byJohn Leach
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John LeachSenior Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 8+ years editing experience

  • NPN: 20461358

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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Published | Reading time: 1 minutes

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Property insurance rate hikes are on the way for more than 61,000 Californians, after the state’s Department of Insurance approved three insurers’ requests for higher premiums. The increases range from 5% to 40% and will affect policies for single-family home, mobile and manufactured home, condo, and renters insurance from Stillwater, Grange, and Wawanesa.

Grange customers with standard HO-3 homeowners policies will face the largest increase — 40%. Additionally, Grange mobile and manufactured home policyholders will face a 25% hike, renters will see a 12.5% increase, and condo policyholders will get a 5% increase.

The changes will take effect on Jan. 1, 2026, and impact nearly 26,000 Grange customers.

Approximately 27,000 Wawanesa policyholders will see their rates increase by 35% under the approved rate change. The higher rates will apply to new applications and policy renewals, effective July 1, 2025.

And more than 8,600 Stillwater customers are facing a 16% increase — which will also apply to new policies — effective July 1.

California’s volatile home insurance market

Years of weather-driven losses and strict regulation have prompted many home insurers to curtail their business in California. High rates and fewer insurers have made it difficult for many Californians in high-risk areas to find affordable coverage. As a result, the state’s insurer of last resort, the California FAIR Plan, clocked a 74% increase in policies in just 18 months.

Regulators have been working to expand insurance choices for consumers with tactics like investing in programs that promote wildfire-resistant home building, banning insurers from shedding policies in wildfire-affected areas of the state, and allowing participating FAIR Plan insurers to pass half of a $1 billion assessment on to policyholders.

What’s next? Predictions for 2025

At the end of 2024, the average annual cost of home insurance in California was $2,424, Insurify data showed. Insurify data scientists predict Californians will see a 21% increase in the state’s average cost of homeowners insurance this year, likely reaching $2,930 by the end of 2025.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content

Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.

Before joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as tax editor for Credit Karma, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.

Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.

Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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John Leach
Reviewed byJohn LeachSenior Insurance Copy Editor
Photo of an Insurify author
John LeachSenior Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 8+ years editing experience

  • NPN: 20461358

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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