California FAIR Plan in 91709 (Chino Hills)
Northern Chino Hills WUI addresses face Chino Hills State Park. Repeat brush-fire history.
15.9%
FAIR Plan penetration
1,684
FAIR Plan policies (2024)
+22.4%
YoY change
San Bernardino
County
Why is FAIR Plan exposure so high in 91709?
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 91709 reaches 15.9% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.
Recent disaster activity:
2008 Freeway Complex Fire · 2020 Blue Ridge Fire
Which carriers are still writing in 91709?
Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91709:
- State Farm
- Farmers
- Mercury
Common questions
Common questions about FAIR Plan claims in 91709
01 What is the FAIR Plan penetration in 91709?
As of 2024, approximately 1,684 of 10,618 homeowners in 91709 (15.9%) are insured through the California FAIR Plan.
02 Which insurance carriers are still writing policies in 91709?
As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 91709: State Farm, Farmers, Mercury. 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.