California FAIR Plan in 90402 (Santa Monica)

North of Montana neighborhood received heavy smoke from the Palisades Fire. Smoke-damage claim scope disputes are the dominant issue here, particularly for high-value homes with extensive HVAC contamination.

6.6%

FAIR Plan penetration

318

FAIR Plan policies (2024)

+21%

YoY change

Los Angeles

County

Why is FAIR Plan exposure so high in 90402?

California's FAIR Plan is the state's insurer-of-last-resort, providing basic property coverage to homeowners who cannot find admitted-market insurance. Penetration in 90402 reaches 6.6% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2025 Palisades Fire

Which carriers are still writing in 90402?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 90402:

State Farm
Farmers
Chubb
AIG Private Client

Common questions

Common questions about FAIR Plan claims in 90402

01 What is the FAIR Plan penetration in 90402?

As of 2024, approximately 318 of 4,811 homeowners in 90402 (6.6%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 90402?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 90402: State Farm, Farmers, Chubb, AIG Private Client. Availability and underwriting criteria vary, and many homeowners in this ZIP have moved to the FAIR Plan after non-renewals.

03 What's the FAIR Plan coverage limit?

California FAIR Plan dwelling coverage is capped at $3 million per residence. Homes valued above this typically need a difference-in-conditions (DIC) policy from a non-admitted carrier to make up the gap. The FAIR Plan covers fire and basic perils only — it does not include theft, liability, or additional living expense (ALE) at the level of admitted-market homeowner policies.

04 How do I dispute a FAIR Plan denial?

If your FAIR Plan claim has been denied or undervalued, you have the right to request the denial in writing, demand a complete copy of your claim file, and request reinspection. Following the 2025 Aliff v. California FAIR Plan ruling, blanket smoke-damage denials are no longer permitted, opening many previously-denied claims for reopening. A licensed public adjuster can navigate this process on your behalf.