California FAIR Plan

When people picture California’s homeowners insurance crisis, they picture the mountains. Places like Truckee, Nevada City, and Lake Arrowhead, where half of all homes are already insured through the state’s FAIR Plan because no standard carrier will touch them. That mental picture used to be accurate. It isn’t anymore, and Altadena is the clearest proof. … Read more

If you’ve gotten a homeowners insurance renewal notice this year that made you do a double take, you’re not imagining things. The FAIR Plan rate increase taking effect October 15, 2026 is the largest the state’s insurer of last resort has approved in recent history, and it’s landing hardest in exactly the kind of communities … Read more