The California FAIR Plan now insures a greater percentage of the state than all but a handful of private insurers.

Unlike FAIR Plans in many other states, its board meetings, minutes, audits, and reports are secret. The plan's operators publicly reveal who is on the FAIR Plan's 9-member Executive Governing Board.

The FAIR Plan Association, a pool of insurers required by state statute to provide fire-insurance policies when property owners can’t find them elsewhere, is experiencing major growing pains.

Reps with the state’s home insurer of last resort said an appeal was unlikely in the court ruling, which said it violated state law.

“FAIR Plan rates are approved by the California Department of Insurance and rates are the same for new policyholders and renewing customers.” A road in Arrowbear Lake on Jan. 15, 2024.

The FAIR Plan Association, a pool of insurers required by state statute to provide fire-insurance policies when property owners can’t find them elsewhere, is experiencing major growing pains.

As the FAIR Plan has exploded in size — from 126,709 policies in 2018 to more than 350,000 today — homeowners and insurance brokers say they are now facing problems such as delays in mortgage ...

The FAIR Plan Association is experiencing major growing pains. Bill King stands outside his home in Arrowbear Lake, a community near Running Springs, on Jan. 15, 2024.

In summary As the FAIR Plan writes more fire-insurance policies, homeowners complain about poor service, rising costs and threats of getting kicked off. The fire-insurance premium for Bill King ...