In California, the FAIR Plan is an insurer of last resort that provides basic property insurance when coverage cannot be obtained in the normal market. A 2026 California Assembly background document describes the FAIR Plan’s purpose as maintaining availability of basic insurance during market failure while encouraging use of the normal insurance market where possible. The policy dispute is how to keep coverage available without making premiums unaffordable, overloading public backstops, or hiding the real cost of wildfire and climate risk. People cannot just go without home insurance, but they also cannot absorb unlimited rate hikes. I want a plan that keeps families covered while being honest about fire risk.