American States Insurance Company of Texas, a Liberty Mutual company, has filed a new California homeowners program, seeking a February 20, 2027 effective date for new business.

The filing introduces a by-peril rating model and a factor based on a home’s distance to wildfire risk. Its tiering approach also considers property and location data, including aerial imagery, tree overhang, proximity to fire stations, and distance to forest or shrubland.

The insurer said the program is intended to “further increase insurance availability” in California, including for homes in high wildfire-risk areas that maintain an Insurance Institute for Business & Home Safety Wildfire Prepared Home or Prepared Home Plus designation.

Homes in high wildfire-hazard or brush areas may remain eligible following underwriting review if they carry one of those IBHS designations and are not located in defined high-concentration areas. The certification must be maintained for continued eligibility.

The filing includes Safeco-branded forms, including the Safeco Optimum and Safeco Premier homeowners policies, and optional coverages such as equipment breakdown, cyber protection, identity recovery, service line, water backup, home-based business, and valuable articles coverage.

The program is new and has no in-force book. Nearmap, an aerial-imagery and location-intelligence company, is referenced in the supporting documentation.