A California judge has ruled the state's bare-bones home insurance program's handling of smoke damage claims is unlawful, a ...

Despite some homes being mapped by CAL FIRE as high-risk fire zones, some homeowners are seeing their California FAIR Plan wildfire insurance rates drop.

Two Los Angeles County Superior Court lawsuits accuse dozens of California home insurers of dropping policyholders and forcing them onto the FAIR Plan — the state's insurer of last resort ...

That left the homeowners with no choice but to join the FAIR Plan, where they paid more but the policies are limited, including through a $3-million coverage cap on dwellings.

The FAIR Plan is a state-mandated, high-risk pool of private insurers for homeowners and other property owners who can’t find traditional coverage.

The disputed surcharge plan stems from Lara's 2024 agreement with the FAIR Plan. Under that deal, if catastrophic losses exceed the plan's financial buffers, member insurers could recover their ...

In February, the state insurance department allowed the program, known as the FAIR Plan, to collect $1 billion in emergency payments from other insurers — who are expected to pass on a ...

Consumer Watchdog sues Insurance Commissioner Ricardo Lara, alleging that rules he issued last year that will allow the California Fair Plan to charge policyholders for losses from the Jan. 7 ...

The homeowners involved in the lawsuit said it's not just about the money, it's about changing the way the FAIR Plan and other insurance companies deal with these claims.

So far, insurance companies — including Nationwide, Progressive and Liberty Mutual — doing business in Colorado have been charged a total of $51.5 million to start up the FAIR Plan, Campbell said.

"A lot of people can't afford it," he stated. "$6,000 to $8,000 for your FAIR plan insurance for a typically normal about $400,000 to $500,000 home. That's what you're going to be spending about." ...