California FAIR Plan policyholders should expect higher bills starting October 15, when the state’s insurer of last resort implements an average 29.1% rate increase. Here’s who’s affected most, why rates are rising, and what homeowners can do before their renewal.

California FAIR Plan Alternatives: What Homeowners Should Know in 2026

California homeowners on the FAIR Plan may have more options in 2026. Explore five alternatives, including traditional home insurance, independent brokers, surplus lines coverage, DIC policies, and wildfire mitigation—and learn what to consider before making a change.