About the California FAIR Plan
How The California FAIR Plan Works
The California FAIR Plan Association was established to meet the needs of California homeowners unable to find insurance in the traditional marketplace. The California FAIR Plan is not a state agency, nor is it a public entity. There is no public or taxpayer funding.
The California FAIR Plan is a syndicated fire insurance pool comprised of all insurers licensed to conduct property/casualty business in California. The California FAIR Plan was established by statute (California Insurance Code sections 10090 et seq.) in August, 1968 as an insurance placement facility.
All licensed property/casualty insurers which write basic property insurance required by Insurance Code sections 10091(a) and 10095(a) are members of the California FAIR Plan. The California FAIR Plan issues policies on behalf of its member companies. Each member company participates in the profits, losses and expenses of the California FAIR Plan in direct proportion to its market share of business written in the state. By statute, the California FAIR Plan is administered by a governing committee. The Plan of Operation details the membership of the governing committee. The companies currently participating on the governing committee can be found here.
The California FAIR Plan has not been rated or evaluated by A.M. Best.
More About Our Operations
- Click to view our Reinsurance Tower.
- Click to view our Claims Pay Tower.
- Click to view our Distribution and Assessment History.
- Click to view our Member Participation Rates for 2024 and 2025.
- Click to view our Financial Reports for 2024/2023 and 2023/2022.
The California FAIR Plan is a temporary safety net
In the last decade, more Californians have turned to the California FAIR Plan as wildfires have devastated California and some insurers have pulled back from these markets. While we will support homeowners regardless of a property’s fire risk, unlike traditional insurers, our goal is attrition. For most homeowners, the California FAIR Plan is a temporary safety net – here to support them until coverage offered by a traditional carrier becomes available. We lead with our customers’ interests at heart and reach success when we are no longer needed.
Availability
Coverage for rural and urban customers.
Stability
Backed by all property insurers licensed in California.
Reliability
Insuring high-risk properties since 1968.
WHO WE ARE
Insurer of Last Resort
The California FAIR Plan provides access to basic property coverage when it’s needed, ensuring that all Californians, including those who live in areas threatened by wildfire, have access to the fire coverage and the peace of mind they deserve.