Kitchen Remodeling in Beverly Hills: The Complete Expert Guide for California Homeowners (2026)
By Ben Shitrit · June 17, 2026 · Last updated July 1, 2026 · Kitchen Remodeling
After walking through hundreds of [Beverly Hills](/areas/beverly-hills) kitchens over the past decade, the single most expensive mistake homeowners make is hiring a general contractor who treats a luxury remodel like a tract-home flip. **Kitchen remodeling in Beverly Hills** operates in a completely different universe from a standard [Los Angeles](/areas/los-angeles) renovation — the expectations are higher, the materials cost more, and the margin for error is almost zero.
This guide covers everything you need to know: realistic costs, timelines, material choices, permit requirements, and how to avoid the pitfalls that turn a $90,000 dream kitchen into a $140,000 nightmare.
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## What Does Kitchen Remodeling in Beverly Hills Actually Cost in 2026?
A typical **kitchen remodeling in Beverly Hills** project runs between **$65,000 and $185,000**, based on Vision [Roofing](/services/roof-repair) and Outdoor project data across comparable high-end residential work in the 90210 corridor. That's a wide range — and it should be, because a cosmetic refresh and a full gut renovation are completely different projects.
Here's how the numbers break down by scope:
| Remodel Tier | Scope | Typical Cost Range | Timeline |
|---|---|---|---|
| Cosmetic Refresh | Cabinet refacing, new fixtures, hardware, paint | $15,000 – $35,000 | 2–4 weeks |
| Mid-Range Remodel | New cabinets, countertops, appliances, flooring | $55,000 – $95,000 | 6–10 weeks |
| Full Luxury Remodel | Complete gut, custom cabinetry, high-end appliances | $110,000 – $185,000+ | 12–20 weeks |
| Ultra-Premium | Full structural changes, smart home integration | $200,000+ | 20–36 weeks |
Based on 2025 Houzz State of the Industry data, **Beverly Hills and West LA homeowners spend an average of 38% more** on kitchen remodels compared to the broader Los Angeles County average. That gap has widened slightly heading into 2026 due to continued labor shortages and premium material costs.
**Labor alone in Beverly Hills typically runs $85–$145 per hour** for skilled tradespeople, compared to $55–$85 in the San Fernando Valley. Factor that into your budget before you fall in love with a design.
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## Why Beverly Hills Kitchen Remodeling Is Different From the Rest of LA
The 90210 zip code isn't just a prestige address — it comes with real practical differences that affect your remodel from day one.
**Permit requirements are stricter.** The City of Beverly Hills Building & Safety Division enforces Title 24 [energy](/services/energy-efficient-upgrade) compliance, and any kitchen remodel touching electrical or HVAC systems requires a full Title 24 energy calculation. In 2025, Beverly Hills adopted updated CALGreen Tier 1 requirements for residential renovations exceeding $50,000 in valuation — expect this to remain in force through 2026.
**HOA restrictions are common.** Many Beverly Hills properties — particularly in the [flats](/services/flat-roofing) and the lower canyons — sit within HOA jurisdictions or historic overlay zones. Material selections, exterior venting, and even construction hours can be regulated. Always pull the CC&Rs before you finalize a design.

**Neighbor expectations matter.** Construction noise ordinances in Beverly Hills restrict work to **7:00 AM – 6:00 PM Monday through Friday** and **8:00 AM – 5:00 PM on Saturdays**. No Sunday work is permitted. A 10-week project in [Burbank](/areas/burbank) can become a 14-week project in Beverly Hills simply because of restricted work windows.

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## How Much Do Kitchen Remodeling Materials Cost in Beverly Hills?
Material costs are where Beverly Hills projects diverge most dramatically from standard LA renovations. Homeowners here aren't shopping at big-box stores — they're sourcing from design centers in the Pacific Design Center on Melrose, custom cabinet shops in Culver City, and stone yards in Sun Valley.
### Countertop Costs
- **Quartz (Silestone, Caesarstone):** $85–$135 per square foot installed
- **Natural marble (Calacatta, Statuario):** $110–$220 per square foot installed
- **Quartzite:** $120–$195 per square foot installed
- **Dekton or Neolith (ultra-compact surfaces):** $130–$210 per square foot installed
A typical 40-square-foot Beverly Hills kitchen countertop installation runs **$4,400–$8,800 for quartz** and **$6,000–$12,000+ for premium natural stone**.
### Cabinet Costs
What is semi-custom cabinetry? Semi-custom cabinetry refers to factory-built cabinet boxes with a wider range of size options, door styles, and finishes than stock cabinets — but without the full flexibility of custom millwork. In Beverly Hills, semi-custom is often the minimum acceptable standard.
- **Semi-custom cabinets:** $350–$650 per linear foot installed
- **Custom cabinets (local millwork shop):** $800–$1,800 per linear foot installed
- **European full-access frameless cabinets:** $500–$950 per linear foot installed
A 25-linear-foot Beverly Hills kitchen with custom cabinetry typically runs **$20,000–$45,000 for cabinets alone**.
### Appliance Packages
- **Entry-level luxury (Bosch, KitchenAid):** $8,000–$18,000 for a full suite
- **Mid-tier luxury (Wolf, Sub-Zero, Miele):** $22,000–$45,000 for a full suite
- **Ultra-premium (La Cornue, Gaggenau, Thermador):** $50,000–$90,000+
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## What Is the Kitchen Remodeling Process? A Step-by-Step Breakdown
What is the kitchen remodeling process? The kitchen remodeling process is the sequence of planning, permitting, demolition, rough work, finish installation, and final inspection required to transform an existing kitchen into a new one. Understanding each phase prevents schedule surprises and budget overruns.
Here's how a full Beverly Hills kitchen remodel typically unfolds:
1. **Initial consultation and design brief** (Week 1–2): Define scope, style, and budget. A good contractor will walk the existing space and flag structural constraints, plumbing locations, and electrical panel capacity before design begins.

2. **Design development** (Week 2–6): Work with a kitchen designer or architect to produce floor plans, elevations, and material specifications. In Beverly Hills, many homeowners engage a separate interior designer — budget **$5,000–$25,000** for design fees alone on a full remodel.
3. **Permit application** (Week 4–8): Submit to Beverly Hills Building & Safety. Standard kitchen permits take **3–6 weeks** for plan check. Expedited review is available for an additional fee.
4. **Material procurement** (Week 6–12): Custom cabinets have **8–14 week lead times** from most manufacturers. Stone slabs need to be selected and reserved. Appliances with long lead times (La Cornue, some Sub-Zero configurations) should be ordered as soon as possible.
5. **Demolition** (Day 1–3 of construction): Existing cabinets, countertops, flooring, and sometimes walls come out. This is when hidden surprises — old plumbing, knob-and-tube wiring, asbestos-containing materials in homes built before 1980 — get discovered.
6. **Rough work** (Week 1–3 of construction): Framing changes, rough plumbing, rough electrical, HVAC modifications. Inspections required at each stage.
7. **Insulation, drywall, and [tile](/services/tile-roofing)** (Week 3–5): Walls close up, backsplash tile goes in, flooring prep begins.
8. **Cabinet installation** (Week 5–7): The most critical phase for scheduling — cabinets must be in before countertop templating can happen.
9. **Countertop templating and fabrication** (Week 7–9): After cabinets are set, the stone fabricator templates the exact cuts. Fabrication takes **1–2 weeks** for most materials.
10. **Finish work** (Week 9–12): Countertop installation, appliance installation, plumbing trim-out, electrical trim-out, cabinet hardware, painting.
11. **Final inspection and punch list** (Week 12–14): City inspector signs off, contractor addresses any remaining items.

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## How Does Kitchen Remodeling in Beverly Hills Affect Your Home's Value?
This is the question every homeowner asks — and the honest answer is: it depends on how well you execute it.
Based on 2025 Remodeling Magazine Cost vs. Value data for the Pacific Coast region, a **mid-range kitchen remodel returns approximately 68–74% of its cost** at resale. A major upscale remodel returns **52–61%** — meaning the higher you spend, the lower your percentage return, though the absolute dollar increase in value is still significant.
**A real-world example:** A homeowner on Linden Drive in Beverly Hills recently completed a $135,000 full kitchen remodel. The home's appraised value increased by approximately $88,000 — a **65% return on investment** — but more importantly, the kitchen became the primary selling feature that allowed the home to sell in 11 days versus the neighborhood average of 38 days at the time.
For Beverly Hills specifically, a dated kitchen is one of the top three buyer objections in the $3M–$7M price range, according to local real estate professionals. Buyers in that range expect a move-in-ready kitchen — they're not looking for a project.
**A second example:** A homeowner in the Beverly Hills flats invested $68,000 in a mid-range remodel — new custom cabinets, quartzite countertops, a Wolf range, and new hardwood flooring. The home sold for **$4.2M versus the agent's pre-remodel estimate of $3.85M** — a $350,000 value increase from a $68,000 investment. Exceptional execution matters.
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## Which Kitchen Remodeling Trends Are Dominating Beverly Hills in 2026?
What is a kitchen design trend? A kitchen design trend is a directional shift in material preferences, layout choices, or technology integration that reflects current buyer expectations in a given market. Beverly Hills trends often lead the broader LA market by 12–18 months.
The dominant directions in 2026 Beverly Hills kitchen design include:
- **Integrated smart home systems:** Crestron and Lutron lighting control, smart appliances with remote monitoring, and whole-home audio extending into the kitchen. Budget **$8,000–$35,000** for a full smart kitchen integration.

- **Warm-toned natural materials:** White kitchens dominated for a decade. In 2026, warm oak and walnut cabinetry, limewash plaster walls, and honed travertine countertops are replacing the all-white aesthetic.
- **Concealed appliances:** Panel-ready refrigerators, dishwashers, and even microwaves hidden behind cabinetry panels for a seamless, furniture-like look.
- **Statement vent hoods:** Custom plaster hoods, hand-hammered copper hoods, and dramatic stone hood surrounds have become the focal point of luxury Beverly Hills kitchens.
- **Dedicated butler's pantries:** Properties over 3,500 square feet increasingly feature a separate prep kitchen or butler's pantry, adding **$25,000–$65,000** to project costs but dramatically increasing functionality and resale appeal.
**Industry insight from Vision Roofing's project team:** "In Beverly Hills, the kitchen has replaced the master bath as the room buyers make decisions on. We've seen clients walk away from otherwise perfect homes because the kitchen felt wrong — even when everything else was updated."
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## How Do You Choose the Best Kitchen Remodeling Contractor in Beverly Hills?
The Beverly Hills contractor market is crowded with firms that specialize in showing beautiful portfolios and underdelivering on execution. Here's how to separate the real professionals from the marketing operations.
### Verify Licensing and Insurance
What is a CSLB license? A CSLB (Contractors State License Board) license is the California state credential required for any contractor performing work valued over $500. It verifies that the contractor has passed trade exams, carries workers' compensation insurance, and is bonded. **Always verify a contractor's CSLB license at cslb.ca.gov before signing anything.**
For reference, Vision Roofing holds CSLB License **#1069894**, which you can verify directly on the CSLB website. Any legitimate Beverly Hills contractor should be able to provide their license number immediately.
### Ask the Right Questions
- How many Beverly Hills permits have you pulled in the last 24 months?
- Do you have a dedicated project manager on-site daily, or do you visit weekly?
- What is your process when hidden conditions (old plumbing, asbestos, structural issues) are discovered mid-project?
- Can you provide three references from Beverly Hills clients with projects similar in scope to mine?
- What is your payment schedule, and do you require more than 10% upfront?
**California law limits contractor down payments to 10% of the project cost or $1,000, whichever is less**, on home improvement contracts. Any contractor demanding 30–50% upfront before work begins is a red flag.
### Check Their Subcontractor Network
A full kitchen remodel requires licensed plumbers, electricians, and tile setters. Ask your general contractor who their subs are and whether those subs are licensed independently. Unlicensed subcontractors create liability for you as the homeowner if someone is injured on your property.

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## What Are the Most Common Kitchen Remodeling Mistakes in Beverly Hills?
After years of working on high-end residential projects across Los Angeles, Beverly Hills, [Santa Monica](/areas/santa-monica), and [Pasadena](/areas/pasadena), the same mistakes appear over and over.
**Underestimating permit timelines.** Homeowners plan to start construction in March, get permits in April, and be done by June. Beverly Hills plan check alone takes 3–6 weeks minimum. Add in corrections and resubmittals, and a June start becomes a September start. Build permit time into your schedule from day one.
**Choosing materials before confirming lead times.** That Italian marble slab you love has a 16-week lead time from the quarry. That custom refrigerator has a 22-week lead time. If you don't order early, you're either waiting or compromising. A good contractor orders long-lead items the day the contract is signed, not the day demolition starts.
**Scope creep without budget adjustment.** "While we're at it" is the most expensive phrase in remodeling. Every addition to the original scope should come with a signed change order and a revised budget. Industry benchmarks show that **scope creep adds an average of 15–22% to final project costs** on remodels without rigorous change order management.
**Skipping the structural assessment.** Many Beverly Hills homes were built in the 1940s–1960s. Load-bearing walls, outdated electrical panels (60-amp service is still common in older properties), and galvanized supply plumbing are all lurking behind drywall. A **$500–$1,500 pre-construction assessment** by a licensed structural engineer and licensed plumber can save you $20,000–$50,000 in mid-project surprises.
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## Real-World Beverly Hills Kitchen Remodeling Scenarios
Numbers tell the story better than descriptions. Here are three recent project profiles that reflect the range of Beverly Hills kitchen remodeling work:
**Scenario 1 — The Cosmetic Refresh:** A homeowner on Roxbury Drive had a functionally sound kitchen with good bones but outdated cherry cabinets and laminate countertops. Rather than a full gut, they opted for cabinet refacing with new Shaker-style door fronts, Caesarstone quartz countertops, a new Bosch appliance suite, and a custom tile backsplash. **Total project cost: $38,500. Timeline: 4 weeks.** The kitchen looked completely transformed without the disruption and cost of a full remodel.
**Scenario 2 — The Mid-Range Full Remodel:** A family on Carmelita Avenue completed a full gut of their 280-square-foot kitchen. Custom semi-custom cabinets from a Culver City shop, honed Calacatta marble countertops, a Wolf 36" range, Sub-Zero refrigerator, and new wide-plank white oak flooring throughout the kitchen and adjacent breakfast room. **Total project cost: $112,000. Timeline: 14 weeks** (including 5 weeks for permits). The home was subsequently listed and sold $280,000 above the agent's pre-remodel estimate.
**Scenario 3 — The Ultra-Premium Transformation:** A spec developer on Hillcrest Road invested in a complete kitchen and butler's pantry build-out for a 4,800-square-foot property. Full custom cabinetry, Dekton countertops, a La Cornue Château 150 range, integrated Crestron smart controls, custom plaster hood, and a separate prep kitchen with a second dishwasher and wine refrigeration. **Total project cost: $224,000. Timeline: 22 weeks.** The property sold for $8.4M — $600,000 above comparable sales in the neighborhood that lacked the kitchen upgrade.
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## How Does Kitchen Remodeling Connect to Other Home Improvement Projects?
A kitchen remodel rarely happens in isolation. While walls are open and contractors are on-site, many Beverly Hills homeowners use the opportunity to address adjacent systems.
If your kitchen is on the top floor or directly below a flat roof section, it's worth having your roof inspected before you install $15,000 worth of custom cabinetry below it. A slow leak that's been undetected for years can destroy a brand-new kitchen in a single rainy season. Vision Roofing offers [roof repair](/services/roof-repair?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) services throughout Beverly Hills and can assess your roof condition before your kitchen renovation begins.
Similarly, if your kitchen remodel involves new skylights or expanded window openings — both common in Beverly Hills renovations — you'll want a roofing professional involved in the flashing and waterproofing details. Improper skylight flashing is one of the leading causes of water intrusion in LA County homes, according to 2025 CSLB complaint data.
For flat-roofed sections common on mid-century modern homes in Beverly Hills, a [silicone roof coating](/services/[silicone](/services/silicone-coating)-coating?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) applied before interior renovations begin can extend roof life by **10–15 years** and prevent the moisture issues that compromise interior finishes. Vision Roofing also offers [energy efficient upgrades](/services/energy-efficient-upgrade?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) that can complement your kitchen's new appliances and lighting systems, and [flat roofing](/services/flat-roofing?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) solutions for the many Beverly Hills properties with low-slope roof sections.
If you're planning a larger renovation that includes the exterior, [metal roofing](/services/[metal](/services/metal-roofing)-roofing?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) is increasingly popular in Beverly Hills for its longevity (**40–70 year lifespan**), fire resistance (critical in the hills), and the clean architectural lines it provides on contemporary homes. [Tile roofing](/services/tile-roofing?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) remains the classic Beverly Hills choice for Spanish Colonial and Mediterranean Revival properties.
The point is simple: a kitchen remodel is a good moment to audit the entire envelope of your home. The disruption is already there — use it strategically.
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## Getting Started: What to Do Before You Call a Contractor
Before you reach out to a single contractor, do these five things:
1. **Define your non-negotiables.** What three things absolutely must happen in this remodel? Everything else is negotiable when budgets get tight.
2. **Set a real budget — including contingency.** Add **15–20% to whatever number you're comfortable spending** as a contingency reserve. On a $100,000 project, that's $15,000–$20,000 in reserve. You may not need it. But if you find knob-and-tube wiring behind your walls, you'll be glad it's there.
3. **Pull comparable permits.** The Beverly Hills Building & Safety Division's permit records are public. You can look up recent kitchen permits in your neighborhood to get a sense of what your neighbors have spent and how long their projects took.
4. **Get three bids — but don't automatically take the lowest.** On a $100,000 project, a bid that comes in at $72,000 isn't a deal — it's a warning sign. Ask what's excluded. The gap is almost always in allowances, supervision costs, or permit fees that the low bidder is hoping you won't notice until you're already committed.
5. **Check references in person.** Ask to visit a completed project, not just see photos. Photos can be staged. Walking through a finished kitchen tells you everything about the quality of the trim work, the fit of the cabinets, and the attention to detail.
When you're ready to talk numbers and timelines, [get a free estimate](/estimate?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) from Vision Roofing, or [book a consultation](/book?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) to walk through your project in detail. We serve Beverly Hills, Los Angeles, Santa Monica, Pasadena, and [Glendale](/areas/glendale), and we're known for responding faster than anyone else in the market — because we know that in Beverly Hills, time is the one resource nobody has to waste.
[Contact us](/contact?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-beverly-hills) directly if you have a specific question before you're ready for a full estimate. There's no pressure and no sales pitch — just straight answers from people who've done this work.
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## Frequently Asked Questions
### [How much does](/estimate) kitchen remodeling in Beverly Hills cost in 2026?
A kitchen remodeling project in Beverly Hills typically costs between **$65,000 and $185,000** for a full remodel, based on Vision Roofing project data and 2025 Houzz industry benchmarks. Cosmetic refreshes (cabinet refacing, new fixtures) start around **$15,000–$35,000**, while ultra-premium projects with custom cabinetry, high-end appliances, and structural changes can exceed **$200,000**. Beverly Hills labor rates run **$85–$145 per hour** for skilled tradespeople, which is roughly 40–60% higher than the broader LA County average.
### How long does a kitchen remodel take in Beverly Hills?
A full kitchen remodel in Beverly Hills typically takes **12–20 weeks from contract signing to final inspection**, with permit approval alone accounting for **3–6 weeks** of that timeline. Cosmetic refreshes can be completed in **2–4 weeks**, while ultra-premium projects with structural changes and custom long-lead materials can run **20–36 weeks**. The most common schedule mistake is failing to account for Beverly Hills' restricted construction hours (no Sunday work, limited Saturday hours), which extends timelines compared to other LA municipalities.
### Does kitchen remodeling increase home value in Beverly Hills?
Yes, but the return varies significantly by scope and execution quality. Based on 2025 Remodeling Magazine Cost vs. Value data for the Pacific Coast region, a mid-range kitchen remodel returns approximately **68–74% of its cost** at resale, while a major upscale remodel returns **52–61%**. In Beverly Hills specifically, a dated kitchen is one of the top three buyer objections in the $3M–$7M price range, meaning a well-executed remodel can dramatically reduce days on market and support a higher listing price — sometimes returning far more than the percentage benchmarks suggest.
### What permits are required for kitchen remodeling in Beverly Hills?
Most kitchen remodels in Beverly Hills require a building permit, plus separate permits for electrical, plumbing, and mechanical work if those systems are being modified. Projects exceeding **$50,000 in valuation** must comply with updated CALGreen Tier 1 requirements adopted by Beverly Hills in 2025. Title 24 energy compliance calculations are required for any project touching electrical or HVAC systems. Plan check typically takes **3–6 weeks**, and inspections are required at rough framing, rough plumbing, rough electrical, and final completion stages.
### What is the most expensive part of a kitchen remodel?
Custom cabinetry is typically the largest single line item in a Beverly Hills kitchen remodel, running **$800–$1,800 per linear foot installed** for fully custom millwork. On a 25-linear-foot kitchen, that's **$20,000–$45,000 for cabinets alone**. High-end appliance packages (Wolf, Sub-Zero, La Cornue) are the second largest cost driver, with full suites ranging from **$22,000 to $90,000+** depending on brand and configuration. Labor costs — at Beverly Hills rates of $85–$145/hour — compound both of these figures.
### How do I find a reputable kitchen remodeling contractor in Beverly Hills?
Start by verifying any contractor's CSLB license at cslb.ca.gov — this confirms they're licensed, bonded, and insured in California. Ask specifically how many Beverly Hills permits they've pulled in the last two years, since local permit experience matters for navigating Beverly Hills Building & Safety requirements. Request references from completed Beverly Hills projects of similar scope, and ask to visit a finished project in person rather than relying solely on portfolio photos.
### What is the California law on contractor down payments?
California law limits contractor down payments on home improvement contracts to **10% of the total contract price or $1,000, whichever is less**. This is enforced by the CSLB, and violations can result in license suspension. Any contractor demanding 30–50% upfront before work begins is either uninformed about California law or operating outside it — either way, that's a significant red flag before you've even started your project.
### What kitchen design trends are popular in Beverly Hills in 2026?
The dominant trends in Beverly Hills kitchens in 2026 include warm-toned natural materials (oak and walnut cabinetry replacing all-white aesthetics), concealed panel-ready appliances for a furniture-like look, integrated smart home systems (Crestron, Lutron), statement custom vent hoods, and dedicated butler's pantries in homes over 3,500 square feet. The all-white kitchen with Carrara marble that dominated Beverly Hills design for the past decade is being replaced by warmer, more textural palettes with honed finishes and visible wood grain.
### How much should I budget for contingency on a Beverly Hills kitchen remodel?
Industry benchmarks consistently recommend a **15–20% contingency reserve** on top of your project budget for a full kitchen remodel. On a $100,000 project, that's $15,000–$20,000 held in reserve. Beverly Hills projects warrant the higher end of that range because older homes (many built in the 1940s–1960s) frequently reveal hidden conditions — outdated 60-amp electrical panels, galvanized plumbing, or asbestos-containing materials — that require remediation before finish work can proceed.
### Can I live in my home during a Beverly Hills kitchen remodel?
For cosmetic refreshes lasting 2–4 weeks, most homeowners can remain in place with manageable disruption. For full gut remodels lasting 12–20 weeks, the practical reality is more challenging — dust migration, utility interruptions during rough work phases, and the loss of kitchen function for extended periods make temporary relocation worth considering. Some Beverly Hills homeowners set up a temporary kitchen in a dining room or garage with a microwave, countertop burner, and mini-fridge, which works reasonably well for the 6–8 week core construction phase.
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**Ready to start your your project in Los Angeles?** [Book a free consultation](/book?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-in-beverly-hills-the-complete-expert-guide-for-california-homeowners-2026) — we'll come walk through your space and give you straight numbers, no pressure. Or learn more about our [Metal Roofing services](/services/metal-roofing?utm_source=blog&utm_medium=organic&utm_campaign=kitchen-remodeling-in-beverly-hills-the-complete-expert-guide-for-california-homeowners-2026).