Guides for hard-to-insure California homes.

What the notices mean, how the deadlines work, and what the rest of the market looks like. Written plainly, kept current, no jargon.

Start with your situation

Pick the one that sounds like yours.

FAIR Plan rates change October 15See what else your home can get.See your options

Browse by topic

Every guide we have, grouped by what it is about.

Coverage and costs

What a policy does, and what you pay for it.

For professionals

Written for the people who watch insurance hold up a deal.