State Farm General Insurance Company has filed revisions to its California Homeowners Program Underwriting Guidelines, effective January 1, 2026, for both new and renewal business. The filing updates wildfire eligibility criteria for Renters and Condominium Unitowners and references a program portfolio size of 458,668 total policies in a sample table.

While SFGIC has not accepted new homeowners applications since May 27, 2023, the revised guidelines now permit new business for existing Renters and Condominium Unitowners replacing policies in low or moderate wildfire-risk areas. The company will continue to nonrenew properties where the contribution to extreme outcome risk is 8.2 times or greater than the average.

The filing reflects State Farm’s heavy reliance on catastrophe modeling for wildfire and fire-following-earthquake risk. Vendors include CoreLogic (RQE and Brushfire models), AIR Worldwide (Touchstone v10.0, v6.0, v8.0), RMS (RiskLink 23.0), and the GRID Fire Model. Discounts are available for wildfire mitigation, including Firewise USA® and IBHS Wildfire Prepared Home™ certifications.

SFGIC’s filing also reiterates its position that public disclosure of its underwriting guidelines undermines competition by revealing trade-sensitive information. While the filing introduces no rate impact, it reinforces State Farm’s evolving eligibility framework for Homeowners, Renters, and Condominium Unitowners policies amid heightened wildfire risk across California.