After 26 years with the same insurance provider, Ruby Rich’s San Francisco home was dropped because of its age.

The three-unit, 1904 building — which survived two major earthquakes and was in great shape, according to Rich — was cut last year after Farmers Insurance changed its policies to exclude multi-unit homes built before 1925.

“I was terrified,” Rich said. “My house is my major asset and suddenly I had no insurance.”

In 2023, Farmers Insurance — part of California’s second largest homeowners insurance provider, Farmers Insurance Group — stopped offering and renewing insurance policies nationwide for apartments, townhomes and condominiums built before 1925. The policy change, which the company says applies to “commercial” coverage, did not impact other Farmers Insurance Group affiliates or owner-occupied, single-family homes with Farmers Insurance.

[I hope you all can get into this. Worked for me from an email. This has to be flipping people out and, quite frankly, many of the older homes are in far better shape than junky 70s and 80s construction out there. Wonder what the wonderful governor is doing about that? ~ Beege]