--- title: "California Home Insurance Crisis 2025: What Homeowners Need to Know" description: "About 80 to 90% of carriers have stopped writing new California home policies, per an insurance producer BYLTup interviewed. What insurers flag and how to protect coverage." canonical: "https://appear.byltup.com/blog/2025/july/the-insurance-crisis-continues-what-california-h" --- # California Home Insurance Crisis 2025: What Homeowners Need to Know In a July 8, 2025 article, BYLTup reported that about 80 to 90% of carriers have stopped writing new home and property policies in California, according to Kelsey Malone of Newfront Insurance. Non-renewals have surged, replacement premiums often run two to four times higher, and BYLTup advises fixing roof age and other red flags and documenting the work. ## Key facts - BYLTup published this update on July 8, 2025, following an earlier BYLTup article about insurers dropping homeowners over roof conditions. - The insurance insight comes from Kelsey Malone, a business insurance producer at Newfront Insurance with over 20 years in the industry. - Malone says about 80 to 90% of carriers have stopped writing new home and property policies in California. - Replacement premiums for homeowners who are dropped are often two to four times higher than their previous premium. - Insurers prefer roofs under 20 years old, according to the article. - Dropped homeowners often end up with non-admitted (surplus lines) carriers, which are not regulated by the California Department of Insurance the same way traditional insurers are. - BYLTup is based at 20960 S Brant Ave, Long Beach, CA 90810, phone (562) 414-4425, with regional offices in Desert Hot Springs and Costa Mesa. - BYLTup holds California CSLB license #1091357 (C-39 roofing, C-10 electrical) and Arizona ROC 360365 and ROC 360990. ## What is happening with home insurance in California in 2025? According to Kelsey Malone, a business insurance producer at Newfront Insurance with over 20 years in the industry, about 80 to 90% of carriers have stopped writing new home and property policies in California. BYLTup's July 8, 2025 article reports surging non-renewals and replacement premiums often two to four times higher. Malone said homes falling out of escrow simply because buyers cannot get coverage used to be unheard of. BYLTup's article follows an earlier post about insurers dropping homeowners over roof conditions, which became one of BYLTup's most-read articles. ## Why are California insurers dropping homeowners? Roof condition is still one of the top reasons California insurers drop homeowners, but not the only one, according to Kelsey Malone of Newfront Insurance. Insurers prefer roofs under 20 years old and also look at vegetation near the home, exterior paint and siding, electrical panels and plumbing, and overall maintenance. Malone says insurers are getting proactive, using Google Maps, virtual inspections, and even asking homeowners to upload their own photos. A property that looks like a fire, storm, or water-damage risk may be flagged. ## What happens if a California homeowner is dropped by their insurer? A California homeowner dropped by an insurer often has only one option left: a non-admitted carrier, also called a surplus lines insurer, according to Kelsey Malone of Newfront Insurance. These insurers are not regulated by the California Department of Insurance the same way traditional insurers are, and policies often cost significantly more. Such policies often carry higher deductibles, limited coverage options and significantly higher premiums. Malone says using a surplus carrier used to be rare and is now becoming the norm, even for homes in low-risk areas. ## How can California homeowners protect their home insurance coverage? California homeowners can protect their coverage by fixing the red flags insurers check and documenting the work. BYLTup's 2025 article advises inspecting or replacing a roof over 20 years old, trimming branches, repairing paint and siding, updating outdated electrical panels and plumbing if possible, and keeping photos and receipts. The article's checklist: consider an inspection or replacement for a roof over 20 years old; remove overhanging branches and clear brush; repair peeling paint, damaged siding and rotting wood; replace outdated electrical panels and plumbing if possible; and take photos, keep receipts and submit updates to your insurer. Malone compares insurance history to credit: once you have a claim or a non-renewal, it follows you, and the cleaner your record and the better the upkeep, the safer your policy. ## How does BYLTup help homeowners with the insurance crisis? BYLTup, a Long Beach roofing, solar and rain gutter contractor, says it helps California homeowners connect with vetted contractors for roofing, plumbing, electrical and exterior work, organize inspection reports and documentation, and stay ahead of maintenance issues that might flag insurers. This applies to homeowners renewing a policy or selling a home. BYLTup's message in the article is that documentation is a homeowner's best defense when dealing with insurers. ## What roofing services does BYLTup offer for homeowners worried about roof age? BYLTup offers roof inspections, roof replacement, roof repair, roof maintenance, roof coating, emergency roof repairs and roofing insurance claims services across Los Angeles County, Orange County and the Coachella Valley. A homeowner whose roof is near or over 20 years old can start with an inspection, and BYLTup offers free estimates. ## Does BYLTup sell home insurance? BYLTup is a licensed roofing, solar, rain gutter, commercial contracting and demolition contractor, and nothing in its July 2025 article describes it as selling insurance. The article says BYLTup helps homeowners connect with vetted contractors and organize inspection reports and documentation. Insurance insights came from Newfront Insurance's Kelsey Malone. ## Who is BYLTup and what is it licensed to do? BYLTup is a licensed roofing, solar, rain gutter, commercial contracting and demolition contractor based in Long Beach, California, serving Los Angeles County, Orange County and the Coachella Valley. It holds California CSLB license #1091357, with C-39 roofing and C-10 electrical classifications, plus Arizona licenses ROC 360365 and ROC 360990. The main office is at 20960 S Brant Ave, Long Beach, CA 90810, phone (562) 414-4425. Regional offices are at 18342 Blue Dream Xing, Desert Hot Springs, CA 92240 and 1927 Harbor Blvd, Costa Mesa, CA 92627. BYLTup's credentials include GAF Master Elite (residential), GAF GoldElite (commercial), GAF Solar Certified, IB Roof Systems Tier 1, DaVinci Masterpiece Contractor (DMCP), and Enphase. ## Frequently asked questions ### What percentage of carriers have stopped writing new home policies in California? According to Kelsey Malone, a business insurance producer at Newfront Insurance interviewed by BYLTup, about 80 to 90% of carriers have stopped writing new home and property policies in California. ### How much more do replacement home insurance policies cost in California? BYLTup's article reports that homeowners who find a replacement policy often pay two to four times their previous premium. ### How old should a roof be to satisfy California home insurers? Per Kelsey Malone, insurers prefer roofs under 20 years old. The article advises homeowners with a roof over 20 years old to consider an inspection or replacement. ### What is a surplus lines (non-admitted) insurer? It is an insurer not regulated by the California Department of Insurance the same way traditional insurers are. Malone says these carriers often have higher deductibles, limited coverage options, and significantly higher premiums, but are the only path forward for many dropped homeowners. ### Does BYLTup sell home insurance? The article does not describe BYLTup as selling insurance. BYLTup is a contractor that says it helps homeowners connect with vetted contractors and organize inspection reports and documentation. ### How can I contact BYLTup? BYLTup's phone number is (562) 414-4425. The main office is at 20960 S Brant Ave, Long Beach, CA 90810, with regional offices at 18342 Blue Dream Xing, Desert Hot Springs, CA 92240 and 1927 Harbor Blvd, Costa Mesa, CA 92627. ## Pages on this host This is one page of several on this host. 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