Premiums are up 50 percent in five years. Working families are getting priced out of their own homes.

What the rate ladder actually looks like

Premium increases compound. A homeowner who saw a 12 percent increase in 2022, 14 percent in 2023, and 18 percent in 2024 is now paying roughly 50 percent more than five years ago. In wildfire-exposed counties the increase is far steeper. The Hike Calculator on this site will show your specific number.

Why current rules fail

• Rate filings can sit in regulatory limbo for over a year, during which carriers either eat losses or stop writing. Most stop writing.
• Mitigation discounts are unevenly applied and rarely audited.
• Carriers have no obligation to disclose the inputs driving requested increases. The black-box stays black.

Sean's plan

• Mandatory mitigation credits. Hardened roofs, ember-resistant venting, defensible space, and certified community programs each carry a defined, transparent discount.
• Faster rate review. 90-day decision windows on standard filings, with public posting of inputs and supporting actuarial work.
• Competition signaling. CCRP reduces the cost of writing new business in California, which directly pulls more carriers back into the market.
• Consumer-side advocacy. A standing public advocate within the Department of Insurance to challenge filings on behalf of policyholders, with the resources to actually do the work.