Public insurance rate-change record
California approved a −11.0% earthquake rate change for Zurich American Insurance Company
Zurich American Insurance Company asked to change rates by −11.0%. California approved −11.0%.
This is not your personal renewal price
The percentage is an average for policies covered by this request. Your bill may change by a different amount—or not at all—depending on your coverage, location, discounts, claims, and renewal date.
In plain English: The department approved the increase as filed. Zurich American Insurance Company asked for −11.0% and received −11.0%.
What this means
California has allowed an average −11.0% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
What happened, in order
June 19, 2026
The department listed this filing as received.
Recorded from June 19, 2026, Rate Filings
Recorded August 9, 2026
A requested change of +11.0% was published.
Recorded from June 19, 2026, Rate Filings
August 26, 2026
A requested change of −11.0% was published.
Recorded from Approval and Closed List YTD 8/31/26
August 26, 2026
The department recorded an approved change of −11.0%.
Recorded from Approval and Closed List YTD 8/31/26
August 26, 2026
Status changed from pending to approved.
Recorded from Approval and Closed List YTD 8/31/26
See filing dates and official identifiers
- California record number
- 26-1065
- Industry filing ID (SERFF)
- ZURC-134957456
- Status
- Approved
- Insurance category in the state record
- EARTHQUAKE
- Policy group or program
- Property Portfolio Protection Program - EQ
- Type of request
- RATE
- First published
- June 19, 2026
- Decision or closing date
- August 26, 2026
See 3 related company filings
These records were submitted together, but each licensed company has its own state record and may receive a different decision.
- American Guarantee and Liability Insurance Company — company asked −11.0%
- American Zurich Insurance Company — company asked −11.0%
- Zurich American Insurance Company of Illinois — company asked −11.0%
Check the official source records
Every displayed value is tied to a file published by California Department of Insurance. This section is for readers who want to verify the original record.
Where these numbers came from
| Value | As published | How it was read | Retrieved |
|---|---|---|---|
| Approved change | -11 | read directly from a spreadsheet cell | September 3, 2026 |
| Closed date | 2026-08-26 | read directly from a spreadsheet cell | September 3, 2026 |
| Company name | ZURICH AMERICAN INSURANCE COMPANY | read directly from a spreadsheet cell | September 3, 2026 |
| Filing type | RATE | read directly from a spreadsheet cell | September 3, 2026 |
| NAIC group | 212 | read directly from a spreadsheet cell | September 3, 2026 |
| Line description | EARTHQUAKE | read directly from a spreadsheet cell | September 3, 2026 |
| Line type | COMMERCIAL | read directly from a spreadsheet cell | September 3, 2026 |
| NAIC company code | 16535 | read directly from a spreadsheet cell | September 3, 2026 |
| Public notice date | 2026-06-19 | taken from the date the notice was published | August 9, 2026 |
| Program | Property Portfolio Protection Program - EQ | read directly from a spreadsheet cell | September 3, 2026 |
| Requested change | -11 | read directly from a spreadsheet cell | September 3, 2026 |
| Status | APPROVED | read directly from a spreadsheet cell | September 3, 2026 |
Source files
- June 19, 2026, Rate Filings
Retrieved August 9, 2026 · sha256 6bd810bfc57b6f3e
- Approval and Closed List YTD 8/31/26
Retrieved September 3, 2026 · sha256 5f4e82a0bb0a774c