The Hidden Risk of Relying on the California FAIR Plan Alone for Homeowners Insurance
As wildfires, underwriting restrictions, and insurer withdrawals reshape the California homeowners market, many residents—particularly in higher-risk areas—are turning to the California FAIR Plan as their only available fire insurance option. While the FAIR Plan can be a crucial backstop when standard insurers decline coverage, relying on it alone is a significant risk. The key to […]
California Fair Plan Rates Can Go Down, But Don’t Count On It
Wildfire season in California often arrives with a double threat: flames in the hills and fear in our mailboxes. Yet, amid the drumbeat of rising premiums, a few curious exceptions have emerged for 2025—small pockets of rate relief that hint at a more innovative, more nuanced approach to wildfire risk. In neighborhoods from Tierrasanta to […]
