California FAIR Plan Reviews

The Cal FAIR Plan is a scam, they charge uber high rates, have very poor coverage - they don't send out bills, their online billing is always wrong and offer no autopay - and only your insurance agent can access their customer support - which doesn't answer for hours. They cancelled my 89 year old mother's insurance after 9 payments without sending a bill, their website portal had no payment due, they provide no email, mail or portal notice she owed a payment (I checked weekly) and contacted them several times. They just cancel and never tell you. Something needs to happen with California homeowners insurance - ridiculous policies have run our state into the ground around fires and insurance coverage - nothing is available to people who have lived here for generations and now the state gov decides it's a high fire zone.

The price keeps going up. You can not contact them. The Deducible is HUGE!!! We support every illegal and criminal but home owners, tax payers are fair game (UNFAIR PLAN). I think moving to Uganda would provide more caring state agencies than the olsum administration.

Watch the renewal date. Best to calendar it yourself. We got a renewal cancelation without a prior bill. The law states they must give you and your agent 45 days notice before the expiration date of your policy. It will take too much time and work to argue so we are forced to reapply. Meanwhile we are uninsured.

Customer service the worst, they just keep sending you from one department to another within the system. Speaking with a representative is impossible. If you can afford a better service don't even think about this people.

The California Fair plan has sent me an invoice every month after the due date. They received the first two payments electronically through the website and then miraculously said the 3rd month payment was returned and I was never notified that they didn't receive the 3rd payment until I called in response to an invoice I received on the 10th that was due on the 6th, that didn't show non-payment, just a different payment amount for the remaining half of the total annual premium. When I asked why the invoice did not match the website balance or my monthly payment amount, they said the August payment was returned; not according to my bank. The CFP website says my payment was made but they show an amount due of the entire annual premium. No explanation. There is a disclaimer on the front page of CFPs website saying the payment portal is experiencing difficulties and they will contact us when it's fixed???

I hope whoever approved the new website "upgrade" has been fired. It is the worst website I have ever used. It lacks everything. A year later they still have not done any updates that would help producers. Even the payment system is horrible. If you try to call them, be ready to be on hold for quite a while, and even the reps don't know what's going on. Their old system was actually working just fine!

Worst ever!!! There is no set payment date each month - it keeps changing and I don’t get a reminder to pay until the day before or of - this month I’m being asked to pay twice, once on the 14th (which I paid on the 3rd) and now tomorrow on the 28th. If I don’t pay AGAIN on the 28th they will cancel me and then I’ll lose my mortgage! It’s impossible to get ahold of any customer service to get any answers. This reeks of SCAM but they’ve got everyone at their mercy.

No communication. No customer service. On holds for over 4 hours, then nothing. California politicians have destroyed our ability to get fairly priced home insurance. Good Insurance companies are no longer doing business in California! Cancelling policies as due date comes up.

I sent this to my county supervisor, State Assembly and Senate representative to express my distain and sincere frustration with the California Fair Plan. My Wildfire Risk Score in one year, has changed from level 8 to 9 and from High to Very High with NO CHANGE IN ANYTHING AT MY SITE. While it indicates on the notice that if I disagree with the wildfire scores assigned, you may appeal the scores there is no place that I could find on the notice or the web site to make that appeal and phone waits are excessive .Because of this change and a general increase, my Wildfire Premium went from $4,500 approximate in 2023 to $7,738 this year, 2024. Factoring in a small added charge for vandalism etc. the premium will end up being about $10,000. This does not include a separate policy for water damage and liability which will be about $1,200. All this is with a $20,000 deductible!

I’ve been on hold for 4 hours trying to contact them about our plan expiration.. This is worse than trying to reach Social Security or Unemployment..I can’t believe the total lack of response. Ca. Fair Plan didn’t send a renewal notice to us or our mortgage company..Unbelievable.