The Insurance Store

California Fair Plan Association

California Fair Plan Association operates as the insurer of last resort for property coverage in California — a state-run program that issues homeowners insurance when standard carriers decline or withdraw from a property. Unlike independent agents who shop multiple private insurers or captive agents locked into a single company, Fair Plan handles only its own policies, written for high-risk properties that can't find coverage elsewhere in the traditional market. Homeowners in fire-prone areas, older homes with code issues, properties with prior loss history, or rural parcels in Murrieta and across Southern California end up here when private insurers have already said no. The coverage is functional rather than premium — it meets lender requirements and protects against total loss — but Fair Plan rates typically run higher than what a standard homeowner would find, and deductibles are steeper. For residents needing a safety-net policy where mainstream carriers have exited, or for agents seeking to place a difficult risk, California Fair Plan's Jefferson Avenue office is the only option available.