--- title: CA P&C market share — CSAA Ins Exch (COCODE 15539), Homeowners, 2025 license: CC0-1.0 source: California DOI P&C Market Share Report 2025 --- # CA P&C market share — CSAA Ins Exch (COCODE 15539), Homeowners, 2025 California P&C market share data for CSAA Ins Exch (COCODE 15539) for line 04 (Homeowners) in 2025: direct written premium $1,066,974,077 (RECORDED, CA DOI), market share 6.50% rank #4 (AGGREGATED, Atlas Commons), loss ratio 41.40% (AGGREGATED, Atlas Commons). Source: CA DOI P&C Market Share Report 2025. CC0. ## Claims ### CSAA Ins Exch wrote $1,066,974,077 in California direct premiums for Homeowners in 2025 **RECORDED.** The California Department of Insurance P&C Market Share Report records CSAA Ins Exch (NAIC COCODE 15539) as writing $1,066,974,077 in California direct written premiums for line 04 (Homeowners) in 2025. This is a verbatim CA DOI figure; it is not modified or estimated by Atlas Commons. Source: California DOI P&C Market Share Report 2025 — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Verify in the CA DOI P&C Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/): find COCODE 15539, line 04, year 2025. Falsified if the CA DOI direct written premium differs. ### CSAA Ins Exch's California market share for Homeowners (2025) is 6.50% **DERIVED.** Atlas Commons computes CSAA Ins Exch's market share for Homeowners in California for 2025 as 6.50%. Methodology: company direct written premium divided by the total direct written premium for all companies in the same line and year (both from the CA DOI P&C Market Share Report). This is an Atlas Commons aggregation — the CA DOI does not publish this percentage directly. Source: California DOI P&C Market Share Report 2025 (Atlas Commons aggregation — company DWP / sum(all line DWP for 2025) × 100) — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Reproduce: sum all company DWP values for line 04 in 2025 from the CA DOI report. Divide CSAA Ins Exch's DWP by that total. Falsified if the resulting percentage differs materially. ### CSAA Ins Exch ranks #4 by direct written premium in Homeowners in California (2025) **DERIVED.** Atlas Commons ranks CSAA Ins Exch #4 (1 = largest) by direct written premium among all California P&C carriers for line 04 (Homeowners) in 2025. Ranking is over the CA DOI P&C Market Share Report data; ties are broken by COCODE. This is an Atlas Commons aggregation — the CA DOI does not publish this rank. Source: California DOI P&C Market Share Report 2025 (Atlas Commons aggregation — dense rank by DWP desc within line 04, year 2025) — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Count how many companies have higher DWP than CSAA Ins Exch for line 04 in 2025 in the CA DOI report. Expected rank = that count + 1. Falsified if it differs. ### CSAA Ins Exch's California loss ratio for Homeowners (2025) is 41.40% **DERIVED.** Atlas Commons computes CSAA Ins Exch's California loss ratio for Homeowners in 2025 as 41.40%. Methodology: direct losses incurred divided by direct premiums earned, both from the CA DOI P&C Market Share Report, multiplied by 100. A ratio below 100% means the carrier paid out less in claims than it earned in premiums for this line; above 100% means it paid more. Neither direction is a verdict — product mix, reinsurance, and reserve differences all affect the figure. This is an Atlas Commons aggregation; the CA DOI does not publish this ratio. Source: California DOI P&C Market Share Report 2025 (Atlas Commons aggregation — direct losses incurred / direct premiums earned × 100) — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Reproduce: divide CA direct losses incurred by CA direct premiums earned for COCODE 15539, line 04, year 2025 from the CA DOI report. Falsified if the ratio differs materially. ### What this CA market-share profile is — and is NOT — for CSAA Ins Exch (Homeowners, 2025) **INTERPRETATION.** This profile contains one RECORDED direct written premium figure (verbatim CA DOI), AGGREGATED market share percentage and rank (Atlas Commons computations over CA DOI data), and an AGGREGATED loss ratio (Atlas Commons computation). It is NOT a rating, a recommendation, or a safety certification. A higher market share means more California premium volume — not better service or lower risk. The loss ratio, if present, is a single-line single-year figure; it does not account for product mix, cat exposure, or reserves. To verify a carrier's California license, use the CA DOI License Search. For complaint history, use the CA DOI Consumer Complaint Study. Source: Coverage Atlas framing (over the CA DOI sources cited above) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/market-share/ca/15539-home-2025 Falsifier: occurred=FALSE (a framing, not a CA DOI event) and adjudged=FALSE — this is an Atlas Commons epistemic boundary note, the lowest-warrant claim in this dataset. --- Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/market-share/ca/15539-home-2025.jsonld` ## Data ### CSAA Ins Exch — CA P&C market share (Homeowners, 2025) Direct written premium = RECORDED (CA DOI). Market share % and rank = AGGREGATED (Atlas Commons over CA DOI). Loss ratio = AGGREGATED (direct losses / direct earned premiums; not a CA DOI figure). | Metric | Value | Warrant | | --- | --- | --- | | Direct written premium | $1,066,974,077 | RECORDED | | Market share (% of line DWP) | 6.50% | AGGREGATED | | Rank by DWP (within line×year) | #4 | AGGREGATED | | Loss ratio | 41.40% | AGGREGATED | | Line of business | Homeowners (line 04) | RECORDED | | Year | 2025 | RECORDED | | Licensed in CA | Yes | RECORDED | | NAIC COCODE | 15539 | RECORDED | | Group | CSAA Ins Grp | RECORDED |