Feb. 9, 2026
Rewriting the FAIR Plan: How AB 1680 could transform coverage and risk
AB 1680 would fundamentally remake the FAIR Plan--expanding it from fire-only coverage into a quasi-homeowners policy and vesting the insurance commissioner with sweeping new authority over coverage, operations and governance.
The FAIR Plan is California's insurer of last resort for homes that cannot find coverage in the regular market. It ensures basic fire insurance when private carriers decline to write a policy and is funded by private insurers that must join the FAIR Plan Association. Unlike a standard homeowners policy, often called an HO-3 (covering the home, personal property, personal lia...
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