---
title: "California Capital Insurance Review [Updated 2026]"
description: "California Capital Insurance Group (CIG) provides homeowners, auto, and specialty insurance across five Western states through independent agents, with an A rating from AM Best."
canonical: "https://www.coveragecat.com/reviews/california-capital-insurance-review"
last-updated: "2026-08-13"
---

# California Capital Insurance Review [Updated 2026]

<a id="introduction"></a>

California Capital Insurance Company (CIG) began as a farmers' cooperative in Ventura County in 1898 and has grown into a regional insurance provider across five Western states. The company operates as part of Capital Insurance Group, which became a member of the Auto-Owners Insurance group in May 2019 [(Insurance Journal, "Capital Insurance Group in California Officially Acquired by Auto-Owners Insurance", 2019)](https://www.insurancejournal.com/news/west/2019/05/28/527644.htm). With 127 years of operations [(Better Business Bureau, "California Capital Insurance Co. BBB Business Profile", 2026)](https://www.bbb.org/us/ca/rancho-cordova/profile/insurance-companies/california-capital-insurance-co-1156-17001572), CIG focuses primarily on [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) and [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) through a network of independent agents.

The insurer maintains an A (Excellent) rating from AM Best [(PR Newswire, "Capital Insurance Group Receives A (Excellent) Rating from AM Best", 2024)](https://www.prnewswire.com/news-releases/capital-insurance-group-receives-a-excellent-rating-from-am-best-302304898.html), which reflects strong financial capacity to meet policyholder obligations. CIG operates through four affiliated companies: California Capital Insurance Company, Nevada Capital Insurance Company, Monterey Insurance Company, and Oregon Mutual Insurance Company. The company reports approximately 4,631 followers on its LinkedIn profile [(LinkedIn, "Capital Insurance Group LinkedIn Profile", 2026)](https://www.linkedin.com/company/capital-insurance-group) and maintains headquarters in Monterey, California, with operations extending across Arizona, California, Nevada, Oregon, and Washington.

## What Kinds of Insurance Does California Capital Insurance Offer?

<a id="products"></a>

California Capital Insurance Group sells personal and commercial insurance products through independent agents. The company's portfolio includes both property and casualty lines across its five-state footprint. According to company materials, CIG offers these insurance products [(PR Newswire, "Capital Insurance Group Names 2025 Agencies of the Year", 2026)](https://www.prnewswire.com/news-releases/capital-insurance-group-names-2025-agencies-of-the-year-302688026.html):

**Personal Lines Insurance:**
- Homeowners insurance
- Renters insurance
- Personal auto insurance
- Dwelling fire insurance
- Farm owners insurance
- Farm auto insurance

**Commercial Lines Insurance:**
- Businessowners policies
- Commercial auto insurance
- Commercial agriculture insurance
- Commercial real estate insurance

The company structures its operations through four regions: Arizona/Nevada, Northern California, Southern California, and Oregon/Washington [Ibid.](https://www.prnewswire.com/news-releases/capital-insurance-group-names-2025-agencies-of-the-year-302688026.html). Each region operates with dedicated field teams and agency relationships. CIG does not sell mobile home insurance or offer direct-to-consumer online purchase options.

## Does California Capital Insurance Sell Specific Types of Insurance?

<a id="coverage-details"></a>

### Homeowners Insurance

California Capital Insurance provides [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) with enhanced coverage options designed for fire-prone regions. The company expanded its commitment to Paradise, California in November 2025, where it will write more policies for residents recovering from the 2018 Camp Fire [(PR Newswire, "Capital Insurance Group Commits to Writing More Policies ...", 2025)](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html). This expansion targets homes that meet Insurance Institute for Business & Home Safety (IBHS) Wildfire Prepared Home standards, which require specific construction materials and defensible space maintenance.

CIG's ThinkTwice Coverage provides 200% extended replacement cost to rebuild homes and replace lost items [(CIG, "Homeowners Insurance", 2026)](https://www.ciginsurance.com/insuranceproducts/personal/homeowners/). This feature addresses the common problem of reconstruction costs that exceed original policy limits. The company also offers Identity Theft coverage, Home Cyber Protection, and Home Appliance and Electronic Breakdown Coverage as optional add-ons [(CIG, "Personal Insurance", 2026)](https://www.ciginsurance.com/insuranceproducts/personal/).

Additional homeowners features include a Protective Device Credit for approved safety devices and Home Age Discounts for newer homes [(CIG, "Personal Insurance", 2025)](https://www.ciginsurance.com/insuranceproducts/personal/). According to customer reviews on Reddit, some policyholders selected CIG because the company maintains a West Coast focus and did not exit the California market like several national carriers [(Reddit, "Our home insurer is leaving the California market. Who would you ...", 2025)](https://www.reddit.com/r/Sacramento/comments/1jlg8mi/our_home_insurer_is_leaving_the_california_market/).

### Auto Insurance

CIG sells personal [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) with standard liability, collision, and comprehensive coverage options. The company offers multiple auto insurance discounts, including multi-policy credits, tenure discounts, safe driver savings, and bundling incentives [(CIG, "Auto Insurance", 2026)](https://www.ciginsurance.com/insuranceproducts/personal/auto-insurance/). CNBC recognized CIG for numerous discount opportunities in its 2026 review of California auto insurance providers [(CNBC, "Best Cheap Car Insurance in California in 2026 - CNBC", 2026)](https://www.cnbc.com/select/best-car-insurance-california/).

The company's CIG Home+Auto and CIG Rent+Auto bundling programs combine property insurance with vehicle coverage to reduce total premium costs [(CIG, "Personal Insurance", 2025)](https://www.ciginsurance.com/insuranceproducts/personal/). These multi-policy discounts follow industry-standard bundling practices. CIG also writes farm auto insurance for agricultural operations and commercial auto insurance for business vehicle fleets.

### Renters Insurance

California Capital Insurance provides [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance) for apartment and rental home tenants. The CIG Rent+Auto bundling option combines renters coverage with auto insurance at a reduced rate [(CIG, "Renters Insurance", 2025)](https://www.ciginsurance.com/insuranceproducts/personal/renters/). Standard renters policies cover personal property, liability protection, and additional living expenses if the rental becomes uninhabitable.

### Dwelling Fire Insurance

The company offers dwelling fire insurance for rental properties and vacant homes. This coverage type protects structures and limited contents when standard [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) does not apply. Dwelling fire policies typically exclude some perils and provide more restricted coverage than owner-occupied homeowners insurance.

## How Does California Capital Insurance Work?

<a id="how-it-works"></a>

California Capital Insurance sells exclusively through independent insurance agents rather than direct-to-consumer channels. Prospective customers must contact a licensed CIG agent to request quotes, compare coverage options, and purchase policies. The company maintains no online quote system or customer self-service portal for new business.

The purchasing process begins when customers locate a CIG-appointed independent agent in their area. Agents collect information about the property or vehicle to insure, the customer's claims history, and desired coverage levels. The agent then generates quotes from CIG and potentially other insurance carriers they represent. This agent-based model provides personalized service but limits price comparison convenience compared to direct insurers.

After policy purchase, customers receive policy documents by mail or electronic delivery. Premium payments can be made through various methods including direct billing, automatic bank drafts, or agent payment processing. The company operates a 24/7 claims hotline for after-hours emergencies, though routine policy service typically goes through the appointed agent.

CIG assigns policies to one of its four affiliate companies based on the customer's state and risk profile. All four companies operate under the same A.M. Best rating and share reinsurance protection [(Business Wire, "AM Best Upgrades Issuer Credit Ratings of Members of Capital Insurance Group", 2024)](https://www.businesswire.com/news/home/20241031195667/en/AM-Best-Downgrades-Credit-Ratings-of-Members-of-Auto-Owners-Insurance-Group-Upgrades-Issuer-Credit-Ratings-of-Members-of-Capital-Insurance-Group-Affirms-Credit-Ratings-of-Atlantic-Casualty-Insurance-Company-and-Certain-Affiliates-and-Subsidiaries). The companies function as a pooled group for underwriting and claims purposes.

## Pricing and Payment Options

<a id="pricing"></a>

California Capital Insurance does not publish standard rate tables or online pricing calculators. Premium costs vary based on individual risk factors including location, coverage limits, deductibles, claims history, and credit-based insurance scores where permitted by state law. The company's agent-based distribution model means customers must request personalized quotes to determine actual costs.

CIG offers multiple payment plan options through its independent agents. Standard options typically include:

- Annual lump sum payment (often with a discount)
- Semi-annual payments (two installments per year)
- Quarterly payments (four installments per year)
- Monthly payment plans (with potential installment fees)

The company accepts payments through automatic bank account withdrawals, credit cards, checks, and money orders. Some agents may offer additional payment methods through their agency management systems. Customers who pay premiums in full typically receive a discount compared to installment plans.

For [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) in Paradise, California, CIG expanded its underwriting appetite in 2025 to write more policies in the fire-impacted area [(Insurance Journal, "CIG Says It Will Write More Policies in Fire-Impacted Paradise", 2025)](https://www.insurancejournal.com/news/west/2025/11/20/848368.htm). The company focuses on homes that meet IBHS Wildfire Prepared Home certification standards, which can affect eligibility and pricing. This targeted approach reflects the insurer's risk management strategy in high-hazard areas.

## Pros and Cons

<a id="pros-cons"></a>

<div class="grid">
  <div class="column">
    <h3>Pros</h3>
    <ul>
      <li>A (Excellent) AM Best financial strength rating demonstrates strong ability to pay claims <a href="https://www.prnewswire.com/news-releases/capital-insurance-group-receives-a-excellent-rating-from-am-best-302304898.html">(PR Newswire, "Capital Insurance Group Receives A (Excellent) Rating from AM Best", 2024)</a></li>
      <li>127-year operating history shows long-term stability and market experience <a href="https://www.bbb.org/us/ca/rancho-cordova/profile/insurance-companies/california-capital-insurance-co-1156-17001572">(Better Business Bureau, "California Capital Insurance Co. BBB Business Profile", 2026)</a></li>
      <li>200% extended replacement cost coverage (ThinkTwice) exceeds standard policy limits <a href="https://www.ciginsurance.com/insuranceproducts/personal/">(Capital Insurance Group, "Personal Insurance", 2025)</a></li>
      <li>Active commitment to California wildfire zones while other insurers exit the market <a href="https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html">(PR Newswire, "Capital Insurance Group Commits to Writing More Policies ...", 2025)</a></li>
      <li>Multi-policy bundling discounts reduce total insurance costs for combined auto and property coverage <a href="https://www.ciginsurance.com/insuranceproducts/personal/">(Capital Insurance Group, "Personal Insurance", 2025)</a></li>G) Customer Ratings", 2026)</a></li>
    </ul>
  </div>
  <div class="column">
    <h3>Cons</h3>
    <ul>
      <li>No direct-to-consumer sales channel limits price comparison convenience</li>
      <li>Limited geographic availability restricts coverage to five Western states only</li>
      <li>Not BBB accredited and failed to respond to 1 complaint per BBB records <a href="https://www.bbb.org/us/ca/rancho-cordova/profile/insurance-companies/california-capital-insurance-co-1156-17001572">(Better Business Bureau, "California Capital Insurance Co. BBB Business Profile", 2026)</a></li>

      <li>Exhausted $205 million reinsurance event limit during 2018 Camp Fire, raising questions about catastrophe preparedness <a href="https://www.insuranceinsider.com/article/2876fhy9ajjsuvqgy5m79/california-capitals-first-event-limit-totalled-by-wildfires">(Insurance Insider, "California Capital's first event limit totalled by wildfires", 2018)</a></li>
    </ul>
  </div>
</div>

## Ratings and Customer Feedback

<a id="ratings"></a>

California Capital Insurance Group maintains ratings from multiple independent sources that evaluate financial strength, customer satisfaction, and complaint resolution. The table below summarizes available ratings:

| Rating Source | Rating | Details |
|--------------|--------|---------|
| AM Best | A (Excellent) | Financial Strength Rating affirmed October 31, 2025 with stable outlook [(A.M. Best, "California Capital Insurance Company - Company Profile", 2025)](https://ratings.ambest.com/CompanyProfile.aspx?AltNum=19613136&ambnum=3136) |
| AM Best | a+ (Excellent) | Long-Term Issuer Credit Rating upgraded from 'a' in 2024 [(Business Wire, "AM Best Upgrades Issuer Credit Ratings of Members of Capital Insurance Group", 2024)](https://www.businesswire.com/news/home/20241031195667/en/AM-Best-Downgrades-Credit-Ratings-of-Members-of-Auto-Owners-Insurance-Group-Upgrades-Issuer-Credit-Ratings-of-Members-of-Capital-Insurance-Group-Affirms-Credit-Ratings-of-Atlantic-Casualty-Insurance-Company-and-Certain-Affiliates-and-Subsidiaries) |
| BBB | Not Accredited | Company is NOT BBB Accredited; failed to respond to 1 complaint [(Better Business Bureau, "California Capital Insurance Co. BBB Business Profile", 2026)](https://www.bbb.org/us/ca/rancho-cordova/profile/insurance-companies/california-capital-insurance-co-1156-17001572) |

AM Best upgraded CIG's Long-Term Issuer Credit Rating to a+ (Excellent) in 2024, recognizing improved risk management and underwriting discipline that produced sustained profitability [(Business Wire, "AM Best Upgrades Issuer Credit Ratings of Members of Capital Insurance Group", 2024)](https://www.businesswire.com/news/home/20241031195667/en/AM-Best-Downgrades-Credit-Ratings-of-Members-of-Auto-Owners-Insurance-Group-Upgrades-Issuer-Credit-Ratings-of-Members-of-Capital-Insurance-Group-Affirms-Credit-Ratings-of-Atlantic-Casualty-Insurance-Company-and-Certain-Affiliates-and-Subsidiaries). The rating agency assessed the company's balance sheet strength as very strong and noted adequate operating performance, neutral business profile, and appropriate enterprise risk management [Ibid.](https://www.businesswire.com/news/home/20241031195667/en/AM-Best-Downgrades-Credit-Ratings-of-Members-of-Auto-Owners-Insurance-Group-Upgrades-Issuer-Credit-Ratings-of-Members-of-Capital-Insurance-Group-Affirms-Credit-Ratings-of-Atlantic-Casualty-Insurance-Company-and-Certain-Affiliates-and-Subsidiaries).

The company faced significant challenges during the 2018 California wildfires. CIG exhausted the first $205 million event limit on its reinsurance program due to losses from the November 2018 Camp Fire [(Insurance Insider, "California Capital's first event limit totalled by wildfires", 2018)](https://www.insuranceinsider.com/article/2876fhy9ajjsuvqgy5m79/california-capitals-first-event-limit-totalled-by-wildfires). AM Best placed the company's ratings under review with negative implications in December 2018 because gross ultimate losses from the Camp and Woolsey wildfires far exceeded levels previously contemplated in ratings [(Business Wire, "AM Best Places Credit Ratings of California Capital Insurance Company and Subsidiaries Under Review With Negative Implications", 2018)](https://www.businesswire.com/news/home/20181221005377/en/AM-Best-Places-Credit-Ratings-of-California-Capital-Insurance-Company-and-Subsidiaries-Under-Review-With-Negative-Implications). The company recovered from these losses and rebuilt its financial position over subsequent years.

## Real Customer Reviews

<a id="customer-reviews"></a>

Customer feedback reveals mixed experiences with California Capital Insurance, particularly around claims processing and policy coverage details. The reviews below represent actual customer experiences from independent platforms:

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Sacramento Resident, March 2025</b></p>
    <p><a href="https://www.reddit.com/r/Sacramento/comments/1jlg8mi/our_home_insurer_is_leaving_the_california_market/"><span class="text-muted">via Reddit</span></a></p>
  </div>
  <div class="column">
    <p>Have not had any claims so cannot speak to that but I used McClatchy Insurance Agency and they went with Capital Insurance Group (CIG). Since CIG is west coast based I figured they would stick around.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Award Recognition, February 2026</b></p>
    <p><a href="https://www.prnewswire.com/news-releases/capital-insurance-group-names-2025-agencies-of-the-year-302688026.html"><span class="text-muted">via PR Newswire</span></a></p>
  </div>
  <div class="column">
    <p>CIG announced 2025 Agencies of the Year awards recognizing independent agency partners across four regions for outstanding performance and customer service.</p>
  </div>
</div>

Customer experiences vary significantly based on individual claims and policy specifics. Some policyholders appreciate the company's regional focus and stability in the California market, while others report frustration with claims processes and coverage exclusions. The company's reliance on independent agents means service quality can differ by agency relationship.

## Financial Strength and Stability

<a id="financial-strength"></a>

California Capital Insurance Group demonstrates strong financial metrics and regulatory compliance. The company operates under the ownership of Auto-Owners Insurance Company, which became the ultimate parent company in May 2019 after regulatory approvals [(Insurance Journal, "Capital Insurance Group in California Officially Acquired by Auto-Owners Insurance", 2019)](https://www.insurancejournal.com/news/west/2019/05/28/527644.htm). This ownership structure provides access to broader capital resources and reinsurance capacity.

AM Best assigned CIG a Financial Strength Rating of A (Excellent) and affirmed this rating for the fifth consecutive year in November 2024 [(PR Newswire, "Capital Insurance Group Receives A (Excellent) Rating from AM Best", 2024)](https://www.prnewswire.com/news-releases/capital-insurance-group-receives-a-excellent-rating-from-am-best-302304898.html). The rating agency also upgraded the Long-Term Issuer Credit Rating to a+ (Superior) from a (Excellent), citing improved risk management and sustained profitability trends [Ibid.](https://www.prnewswire.com/news-releases/capital-insurance-group-receives-a-excellent-rating-from-am-best-302304898.html). Both ratings carry stable outlooks, which indicate AM Best expects no near-term changes to the assessment.

AM Best's operating performance building block assessment improved from marginal to adequate, which reflects better underwriting discipline and profit consistency [Ibid.](https://www.prnewswire.com/news-releases/capital-insurance-group-receives-a-excellent-rating-from-am-best-302304898.html). The company maintains a very strong balance sheet according to AM Best analysis, with appropriate enterprise risk management practices [(Business Wire, "AM Best Upgrades Issuer Credit Ratings of Members of Capital Insurance Group", 2024)](https://www.businesswire.com/news/home/20241031195667/en/AM-Best-Downgrades-Credit-Ratings-of-Members-of-Auto-Owners-Insurance-Group-Upgrades-Issuer-Credit-Ratings-of-Members-of-Capital-Insurance-Group-Affirms-Credit-Ratings-of-Atlantic-Casualty-Insurance-Company-and-Certain-Affiliates-and-Subsidiaries).

CIG's four affiliate companies operate under an intercompany pooling arrangement, which consolidates financial results and risk exposure across all entities [(Ibid., "AM Best Places Credit Ratings of California Capital Insurance Company and Subsidiaries Under Review With Negative Implications", 2018)](https://www.businesswire.com/news/home/20181221005377/en/AM-Best-Places-Credit-Ratings-of-California-Capital-Insurance-Company-and-Subsidiaries-Under-Review-With-Negative-Implications). This structure allows the group to share reinsurance protection and capital resources more efficiently. The company maintains its domiciliary office at 915 Highland Pointe Drive, Suite 100, Roseville, California 95678 [(A.M. Best, "California Capital Insurance Company - Company Profile - Best's Credit Rating Center", 2026)](https://ratings.ambest.com/CompanyProfile.aspx?ambnum=3136&AltNum=19613136).

## Customer Support and Claims

<a id="customer-support"></a>

California Capital Insurance provides customer service primarily through its network of independent insurance agents rather than direct company contact for routine policy questions. Policyholders work with their appointed agent for policy changes, coverage questions, billing inquiries, and renewal discussions. This agent-based model means service hours and response times vary by individual agency rather than following standardized company-wide hours.

For claims reporting, CIG maintains a 24/7 claims hotline that operates every day of the year. Policyholders can report new claims at any time, including evenings, weekends, and holidays. The company assigns claims adjusters based on claim type, location, and complexity. According to company materials on LinkedIn, CIG has provided insurance services since 1898 and emphasizes local market knowledge [(LinkedIn, "Capital Insurance Group LinkedIn Profile", 2026)](https://www.linkedin.com/company/capital-insurance-group).

The claims process begins when a policyholder contacts either their agent or the claims hotline to report a loss. The company collects basic information about the incident, policy number, and damages. An adjuster then contacts the policyholder within one business day for most property claims. The adjuster schedules an inspection, evaluates damages, and determines coverage under the policy terms.

CIG's commitment to Paradise, California demonstrates ongoing claims service in high-risk areas. The company announced in November 2025 it would write more policies in the fire-impacted community [(Insurance Journal, "CIG Says It Will Write More Policies in Fire-Impacted Paradise", 2025)](https://www.insurancejournal.com/news/west/2025/11/20/848368.htm). This expansion requires homes to meet IBHS Wildfire Prepared Home certification standards, which can reduce future claims frequency and severity through better construction practices and defensible space maintenance.

The company faces litigation in some cases. Court records show California Capital Insurance Co. filed as plaintiff against U.S. Specialty Insurance Company in an insurance contract dispute in April 2025 [(Justia, "California Capital Insurance Co. v. U.S. Specialty Ins. Co.", 2025)](https://dockets.justia.com/docket/california/cacdce/2:2025cv03551/967309). This case indicates the company pursues legal remedies when necessary to resolve coverage disputes with reinsurers or other parties.

## Leadership and Company Recognition

<a id="leadership"></a>

Andy Doll serves as President and CEO of Capital Insurance Group, assuming this role effective January 2021 [(Insurance Journal, "Capital Insurance Group in California Names Doll President and CEO", 2020)](https://www.insurancejournal.com/news/west/2020/11/05/589482.htm). The company announced Doll's appointment in November 2020 following the planned retirement of the previous CEO. Under Doll's leadership, CIG received recognition in the 2025 American Business Awards for Company of the Year in Insurance [(PR Newswire, "CAPITAL INSURANCE GROUP RECOGNIZED IN 2025 AMERICAN ...", 2025)](https://www.prnewswire.com/news-releases/capital-insurance-group-recognized-in-2025-american-business-awards-302462187.html).

In February 2026, the company promoted Kimberly Noel to regional field executive for the Northwest region covering Oregon and Washington [(Insurance Journal, "People Moves: Capital Insurance Group Promotes Noel to Regional Field Executive", 2026)](https://www.insurancejournal.com/news/west/2026/02/05/856715.htm). These leadership appointments reflect the company's regional structure and focus on local market expertise. CIG operates through four distinct regions with dedicated field teams: Arizona/Nevada, Northern California, Southern California, and Oregon/Washington [(PR Newswire, "Capital Insurance Group Names 2025 Agencies of the Year", 2026)](https://www.prnewswire.com/news-releases/capital-insurance-group-names-2025-agencies-of-the-year-302688026.html).

The company recognizes top-performing independent agencies through its annual Agencies of the Year awards program. In February 2026, CIG announced winners across its four regional structures [(Morningstar, "Capital Insurance Group Names 2025 Agencies of the Year", 2026)](https://www.morningstar.com/news/pr-newswire/20260217sf87536/capital-insurance-group-names-2025-agencies-of-the-year). CMR Risk & Insurance Services received the Southern California Region Winner designation [(CMR Risk & Insurance Services Inc., "Blog", 2026)](https://cmrris.com/blog/). These awards recognize agency partners who demonstrate strong sales performance, customer service quality, and business growth.

## Frequently Asked Questions

<a id="faq"></a>

**Is California Capital Insurance financially stable?**

Yes. AM Best assigns California Capital Insurance an A (Excellent) Financial Strength Rating, which was affirmed for the fifth consecutive year in October 2025 [(A.M. Best, "California Capital Insurance Company - Company Profile", 2025)](https://ratings.ambest.com/CompanyProfile.aspx?AltNum=19613136&ambnum=3136). The company also holds an a+ (Excellent) Long-Term Issuer Credit Rating with stable outlook [(Business Wire, "AM Best Upgrades Issuer Credit Ratings of Members of Capital Insurance Group", 2024)](https://www.businesswire.com/news/home/20241031195667/en/AM-Best-Downgrades-Credit-Ratings-of-Members-of-Auto-Owners-Insurance-Group-Upgrades-Issuer-Credit-Ratings-of-Members-of-Capital-Insurance-Group-Affirms-Credit-Ratings-of-Atlantic-Casualty-Insurance-Company-and-Certain-Affiliates-and-Subsidiaries). The company operates as part of Auto-Owners Insurance group, which provides additional financial backing.

**Can I buy California Capital Insurance policies online?**

No. CIG sells exclusively through independent insurance agents. You cannot obtain quotes or purchase policies directly through the company website. You must contact a licensed CIG agent in your area to request quotes and buy coverage.

**What states does California Capital Insurance operate in?**

CIG operates in five Western states: Arizona, California, Nevada, Oregon, and Washington. The company maintains four regional structures to serve these markets with dedicated field teams and agency relationships [(PR Newswire, "Capital Insurance Group Names 2025 Agencies of the Year", 2026)](https://www.prnewswire.com/news-releases/capital-insurance-group-names-2025-agencies-of-the-year-302688026.html).

**Does California Capital Insurance offer flood coverage?**

Standard CIG homeowners policies do not include flood insurance. Flood coverage requires a separate policy through the National Flood Insurance Program (NFIP) or private flood insurers. Homeowners in flood-prone areas should ask their CIG agent about flood insurance options and requirements.

**What is ThinkTwice Coverage?**

ThinkTwice Coverage is CIG's extended replacement cost endorsement that provides 200% of policy limits to rebuild homes and replace lost items [(CIG, "Homeowners Insurance", 2026)](https://www.ciginsurance.com/insuranceproducts/personal/homeowners/). This feature addresses situations where reconstruction costs exceed original coverage amounts due to market conditions, building code changes, or limited contractor availability.

**How do I file a claim with California Capital Insurance?**

Policyholders can report claims 24/7 through CIG's claims hotline or by contacting their independent agent. The company assigns an adjuster who will contact you within one business day for property claims. The adjuster schedules an inspection, evaluates damages, and processes payment according to policy terms.

**Is California Capital Insurance the same as California Casualty?**

No. California Capital Insurance Company (CIG) and California Casualty are separate, unrelated insurance companies. Both serve California customers but operate as distinct entities with different ownership structures, product offerings, and financial ratings.

**Does CIG provide coverage in wildfire-prone areas?**

Yes. California Capital Insurance expanded its commitment to Paradise, California in November 2025 to write more policies for residents recovering from the 2018 Camp Fire [(PR Newswire, "Capital Insurance Group Commits to Writing More Policies ...", 2025)](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html). The company focuses on homes that meet IBHS Wildfire Prepared Home certification standards. However, coverage availability and pricing depend on specific property characteristics and risk factors.

**What happened to CIG during the 2018 wildfires?**

CIG exhausted the first $205 million event limit on its reinsurance program due to losses from the November 2018 Camp Fire [(Insurance Insider, "California Capital's first event limit totalled by wildfires", 2018)](https://www.insuranceinsider.com/article/2876fhy9ajjsuvqgy5m79/california-capitals-first-event-limit-totalled-by-wildfires). AM Best placed the company's ratings under review with negative implications in December 2018 [(Business Wire, "AM Best Places Credit Ratings of California Capital Insurance Company and Subsidiaries Under Review With Negative Implications", 2018)](https://www.businesswire.com/news/home/20181221005377/en/AM-Best-Places-Credit-Ratings-of-California-Capital-Insurance-Company-and-Subsidiaries-Under-Review-With-Negative-Implications). The company recovered financially over subsequent years and rebuilt its ratings to A (Excellent) by 2020.

**What bundling discounts does California Capital Insurance offer?**

CIG offers CIG Home+Auto and CIG Rent+Auto bundling programs that combine property insurance with vehicle coverage at reduced rates [(CIG, "Personal Insurance", 2025)](https://www.ciginsurance.com/insuranceproducts/personal/). The company also provides discounts for clean driving records, defensive driving class completion, and recent roof replacement. Specific discount amounts vary by state and individual risk factors.