FAIR Plan & Wildfire Risk

California’s insurance rules are changing, but what matters most is how they affect homeowners. Here’s a plain-English breakdown of recent updates, what protections exist after a disaster, and what we see coming next in the California insurance market.

Home insurance non-renewals have become increasingly common across California—even for homeowners with no claims and long-standing policies. While it can feel personal or sudden, most non-renewals are driven by broader market and risk factors, not individual homeowners. Here’s the short version of why it’s happening, followed by what it actually means for you. 🔹 QUICK TAKEAWAYS Why Policies Are Being Non-Renewed (Quick Version) Wildfire risk is driving decisions:  Insurers r

🔹 The FAIR Plan — Quick Answers First No, not everyone has to go on the FAIR Plan: It’s typically a fallback option when traditional coverage isn’t available. The FAIR Plan is limited coverage: It mainly covers fire and a few named perils—not a full homeowners policy. Most FAIR Plan policies need a companion policy: Additional coverage is usually required to fill the gaps. Cost and complexity are common complaints: Pricing and structure are different from traditional ins