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Around 13% of California homeowners worry about losing coverage, according to real estate site Redfin.

The results underscore the industry's ongoing hard market conditions.

Insurers now issue stricter policy language and insert more sub-limits and exclusions into cyber coverage.

Auto policy shopping has become more active, as the number of customers "just browsing" quotes has dropped.

State Farm currently holds around 8.7% of all home insurance policies in California.

The climate strategy was developed under the coordination of the NAIC's Climate and Resiliency Task Force.

Declining premium revenues, lower rates, underwriting volatility and litigation led to this hardening, Fitch Ratings says.

Among the lawsuits is a civil RICO action over allegations that the insurer and 10 other carriers have operated as a 'cartel.'