California FAIR Plan

I pay $4,288 to Cal Fair and $1,818 to Farmers Ins. Cal Fair is a monopoly; there is no other choice but this wildly expensive insurance for much reduced bare minimum coverages. The insult added to injury is the requirement to also purchase "normal" h.o. insurance (In my case Farmers). For additional coverage, at no detectable lower premium cost. Since 2017 their premium has actually increased!

I rebuilt my home after Tubbs fire. It is incredibly defensible with cement board, metal roof, fireproof hardscape, and two 10,000 gallon water tanks and hydrant. I pay ten times the normal insurance for less coverage. This is a rip-off. I am struggling to stay in my home and have done everything I can to keep it safe from fire. I am not in a forest or surrounded by any trees. I just have an unlucky zipcode. If I stayed during the last fire to put out embers with a garden hose, I would not have lost my home. So, I am stuck with the Fair Plan, but the cost is draining me.

Again anything that’s run by the state California is completely corrupt. Not only are the insurance companies not held accountable, after collecting payments then selectively pulling out of certain area considered high risk. Now the new “California corrupt plan” Dramatically changing its price structure without notice increases of 35 to 40%.

This plan seems anything but FAIR. It is a complete rip off. They have set this up so certain properties require CA Fair Plan endorsement for insurance which doubles the cost of insurance. I had no problem getting fire insurance, but the property required this nonsense endorsement. Prior to this con game, homeowner's insurance in my area covered fire at about $1800 per year. Now with this FAIR endorsement, it is $4400 per year. This is just ripping people off and should not be allowed.

Anything but fair. We lost everything in the Caldor fire. After 4 months we have yet to get our money!!! We entered into a “Good Faith” agreement and they have yet to settle. Don’t use them. They suck!

The insurance covers for fire, internal explosion and external vandalism. Homeowners pay $1,166 per year, and it is a compulsory program which provides fair access to people who find it very difficult in insuring their property. The insurance is governed by board which includes the California insurance commissioner and insurance company executives. This year, 2021, it gave a fat discount for people to be involved and applied. One can apply directly or through a broker. Usually properties are inspected when completing your application form. Based in inspection, you may be advised to put in place fire extinguisher or at times clearing brush from property.

We had wind damage in Feb 2021. It's now late June 2021 and is still unresolved. I had 25 K in damage and the Fair Plan wants me to settle for 11.5 K. Dominique ** is my CFP rep. If you get this guy, God help you. He sound smooth and competent but If he is talking - he is lying. The claims process has been 1000% more traumatizing than the wind damage.

I have a cabin in the mountains. I have it insured with California FAIR Plan because it is a mountain cabin. Other companies like State Farm, Farmers, etc. will not insure it. I have been using California Fair Insurance for about 14 years, always pay on time and have never made a claim. I just received my policy billing for 2021 and found that they have increased my policy billing by over 55.5% over what I paid in 2020. As a comparison, this new rate makes my payment 198% the amount I pay for my primary home which is twice the size of the cabin and carries far more coverage.

When continuously getting cancelled or my rate tripling by other insurance companies, I was able to get covered by the Fair Plan. They did send an inspector out to the property and we were notified to replace the roof and paint the house and do wood repair. We were given 6 months to get the jobs completed, but then COVID hit, which caused delays. I emailed requesting an extension and a week later they gave us another month to complete the job. I sent off the documents to them via email, and my rate was renewed at the same rate. I appreciate being able to get this coverage considering the option of losing my home due to not being able to get insurance elsewhere.

Cancelled reasons: did not remove all brush, trees within 15 feet of home. I removed everything to the neighbors’ property lines. Neighbors won’t let me remove anything on their property. Neighbors can still get Homeowners fire insurance with no problems. But I can’t even get CFP or buy a plan from either of the neighbors’ insurance companies. Anybody have any answers besides moving.