July 21 - California FAIR Plan Growth Highlights Insurer Policy Restrictions

The California FAIR Plan has seen rapid growth in 2025, now covering more than 590,000 homes — a rise driven largely by private insurers pulling back. According to a San Francisco Chronicle investigation, companies like State Farm and Allstate have either limited where they offer new policies or stopped accepting new customers altogether. As a result, many new buyers and displaced homeowners find the FAIR Plan, a limited, fire-only option, is their only choice. Despite being meant as a last-resort program, the FAIR Plan has become a long-term solution for many, often leaving them underinsured and burdened by the need to purchase expensive supplemental coverage.