A homeowner in a brush-exposed canyon has been declined by three admitted carriers because of wildfire risk. Which California program is designed to serve as the insurer of last resort for this property?
Explanation
The California FAIR Plan, created at Insurance Code §10090 and following, is the basic-form property insurer of last resort. It is a syndicate of all admitted property insurers and provides narrow fire coverage to applicants who cannot obtain coverage in the voluntary market. The CEA handles earthquake, the Low Cost Auto Program covers liability for qualifying low-income drivers, and DMHC regulates HMOs.
Law Reference: Cal. Ins. Code §10090 et seq.This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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