California is facing an insurance crisis. Homeowners and drivers are paying dramatically higher rates while coverage options shrink:
Homeowners insurance premiums in many parts of the state have risen double digits and in some high-risk areas increased 33 % or more above inflation, pricing many out of coverage altogether. Auto and property insurance rates have surged statewide, with some analyses showing home and auto insurance costs increasing significantly over the past few years. As wildfire risk has grown, many insurers have pulled back or stopped writing new policies in high-risk areas, forcing more Californians into the state’s last-resort FAIR Plan — which carries limited coverage and high costs.These rising premiums, limited options, and claim processing delays have become the new norm — and it’s unacceptable.
Keith’s Plan to Fix Insurance
As Commissioner, Keith Davis will fight for REAL REFORM that makes insurance work for the people of California, not just the insurance industry:
Lower Costs & Improve AvailabilityKeith will work with carriers, regulators, and policymakers to expand competition, bring more insurers back into the California market, and reduce premiums for homeowners and drivers wherever possible.
Independent Review of Denied Claims
Keith proposes the creation of a claim review panel to ensure denied claims are evaluated impartially, reducing unfair denials and giving policyholders a stronger voice.
Affordable Insurance for All Californians
Keith believes that every Californian should have access to reasonably priced home, auto, and health insurance — and that insurance should be a solution, not a burden.
Faster, More Fair Claims HandlingInsurance should protect Californians when disaster strikes. Keith will push for expedited claim responses, stronger consumer protections, and accountability when insurance companies delay or deny rightful claims.
Balanced, Practical Regulation
While recognizing the realities of catastrophic risk — including wildfire exposure and climate impacts — Keith will advocate for policies that protect consumers without driving insurers out of the state.