Are there any home insurance companies still writing new policies in wildfire-prone areas of California this month without massive surcharges?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there any home insurance companies still writing new policies in wildfire-prone areas of California this month without massive surcharges?
3 real searches · 1 real-search pass
California homeowners insurance companies accepting new policies wildfire high risk areas October 2026 new business underwriting rates surchargeGoogle ↗
OBSERVEDConsequence
California Department of Insurance homeowners insurance market 2026 wildfire FAIR Plan new policies admitted insurersGoogle ↗
OBSERVEDOther / navigational
California home insurance companies writing new policies high wildfire risk areas 2026 affordable premiumsGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
California homeowners insurance companies accepting new policies wildfire high risk areas October 2026 new business underwriting rates surcharge Google ↗
California Department of Insurance homeowners insurance market 2026 wildfire FAIR Plan new policies admitted insurers Google ↗
California home insurance companies writing new policies high wildfire risk areas 2026 affordable premiums Google ↗
- Insurance surge expanding options for Californians in wildfire distressed areas · insurance.ca.gov
- Commissioner Lara protects nearly 150,000 Californians in Kern, Santa Barbara, San Luis Obispo and Ventura counties from non-renewals following Gifford Fire · insurance.ca.gov
- Insurers are writing new CA homeowner policies. But how many? · calmatters.org
- Major California home insurers move to reopen for new business, including state’s largest insurer · insurance.ca.gov
- State Farm to write first new home insurance policies since 2023 · sfchronicle.com
- Major California home insurer plans to write new policies for first time since 2022 · sfchronicle.com
- HPS · interactive.web.insurance.ca.gov
- Home Insurance Finder · insurance.ca.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California homeowners insurance companies accepting new policies wildfire high risk areas October 2026 new business underwriting rates surcharge OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
California Department of Insurance homeowners insurance market 2026 wildfire FAIR Plan new policies admitted insurers OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
California home insurance companies writing new policies high wildfire risk areas 2026 affordable premiums OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |