Jane Kim vs Ben Allen: Who Will Fix CA's Insurance Market

California’s home insurance market is in a historic crisis, but major changes may be on the horizon with the 2026 Insurance Commissioner election.In this episode, Peter Brecht and Mike break down the fallout from major insurance carriers pulling out of California, the upcoming 30% FAIR Plan rate increase, and where the leading candidates stand on fixing the market.We take a closer look at the sharply different platforms of former San Francisco Supervisor Jane Kim and State Senator Ben Allen. Mike also shares his blueprint for what it will actually take to restore a functioning insurance marketplace in California, from tort reform to building code updates.What you’ll learn in this episode:Why personal home insurance in California has become a battleground between carriers and the Department of InsuranceA breakdown of Jane Kim’s platform, including her push for a single-payer public insurance model and mandated crossover requirements for auto insurersA breakdown of Ben Allen’s platform, focusing on upgrading physical building codes and land use restrictionsWhy the California FAIR Plan’s approved 30% rate increase for October 2026 is a major issue for consumersThe missing pieces politicians are not addressing, including tort reform and depopulating the FAIR PlanTimestamps:00:00 – Podcast intro and recording on the road01:28 – The 2026 California Insurance Commissioner election and the 30% FAIR Plan increase05:11 – The personal home insurance crisis: why carriers left California11:45 – Candidate profile: Jane Kim’s public model and single-payer approach17:22 – Candidate profile: Ben Allen’s mitigation and building code solutions23:40 – Mike’s blueprint: tort reform, efficiency, and how to fix the market28:59 – The role of lobbyists, trade groups, and final thoughtsLearn more and connect:Show website: https://falconwest.comFalcon West LinkedIn: https://www.linkedin.com/company/falconwestConnect with Mike: https://www.linkedin.com/in/mike-tangheConnect with Peter: https://www.linkedin.com/in/peterbrechtFalcon Forward is hosted by Peter Brecht and Mike Tanghe and focuses on the intersection of personal and commercial insurance, small business growth, and professional career development. The show delivers deep dives into the insurance industry to help business owners manage risk and build sustainable enterprises.If you are a California homeowner impacted by these changes, consider reaching out to local candidates, sharing your perspective, and making your voice heard at the ballot box.#CaliforniaInsurance #HomeownersInsurance #JaneKim #BenAllen #FAIRPlan #CaliforniaPolitics