What Is The California FAIR Plan?

​The California FAIR Plan Association was established to meet the needs of California homeowners unable to find insurance in the traditional marketplace. The FAIR Plan is not a state agency,  it is also not a public entity. There is also no public funding.
 
The FAIR Plan is a fire insurance pool composed of all insurers licensed to conduct property/casualty business in California. All licensed property insurers who write basic property insurance are members of the FAIR Plan. The FAIR Plan issues policies on behalf of its member companies. Each member company participates in the profits, losses, and expenses of the Plan in direct proportion to its market share of business written in the state.

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