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Home, Auto, and Umbrella policies

Personal Lines

After careful consideration, Tokio Marine America has determined that personal lines insurance can no longer be offered to its clients due to the market outlook and the impact technological and other costs are having on its ability to serve the market at the very highest standards. As a result, Tokio Marine America will discontinue writing personal lines insurance policies in two phases.

This page provides information to policyholders and agents with personal lines coverage through TMA. Please note that we will continue to service your policies through the policy term including any endorsement and/or claims activity.

Phase 1: Homeowners, Dwelling and Umbrella customers

All customers with homeowners, dwelling and umbrella policies will be non-renewed starting with policies effective July 1, 2024 or later. You will receive notice via mail when your policy coverage will end.

Phase 2: Auto customers

Subject to approval by the California Department of Insurance, we plan to begin the second phase by non-renewing personal auto in middle 2025. Details on non-renewal of auto policies will be announced separately and information will be added to this site and mailed to policyholders when it becomes available.

We regret having to take this action. It is important to note this does not reflect on the quality of your business. Your trust in us has been exceptional, and we are very sorry that this was our only option.

If you have any questions, please refer to the Frequently Asked Questions (FAQs) below or contact your agent.

Thank you for your business and partnership with Tokio Marine America.


Q. When do I get the notification for non-renewal of my homeowners, dwelling and umbrella policy?
A. The non-renewal notice will be sent no later than 80 days prior to policy expiration date for homeowners, dwelling and umbrella policies. The first notice will be sent in early April for policies expiring on July 1 or later.

Q. How can I get replacement coverage?
A. Please contact your insurance agent and rest assured that they are ready to work with you to find and select replacement coverage.

Q. Does the non-renewal of homeowners policy have any impact on my existing auto policy?
A. When both your homeowners and auto policy are written through Tokio Marine America Insurance Company and/or Trans Pacific Insurance Company, you receive a companion policy discount. Once your homeowners policy cancels or non-renews, you are no longer eligible for a companion credit on your auto policy. Most insurance companies have a similar rule. Please consult with your agent if you have further questions.

Q. Can I cancel the current policy during the policy period and move to another insurance carrier?
A. Yes. You can cancel your policy at any time without any penalty for cancelling early. If you choose to keep your policy up to the point of policy expiration at non-renewal, we will serve you until the current policy expires.

Q. Why is Tokio Marine America transferring my auto policy to Trans Pacific Insurance Company (TPI)?
A. This is part of the processes for Tokio Marine America to completely withdraw from all personal lines of business. TPI is an owned company of Tokio Marine and carries the same AM Best financial rating (A++) and claims paying ability. The change in insuring company keeps the same coverages as before.

Q. What is the name and phone number of the agency handling my policy?
A. The contact information for your agent is in the upper right-hand corner of your insurance policy/renewal. These documents will list the coverage limits and premiums.