California FAIR Plan in 93108 (Montecito)

High-net-worth Santa Barbara enclave. Thomas Fire and the 2018 debris flow drove the high-value carrier market deeper than admitted-mass-market. FAIR Plan + DIC remains common.

30.2%

FAIR Plan penetration

1,086

FAIR Plan policies (2024)

+14.6%

YoY change

Santa Barbara

County

Why is FAIR Plan exposure so high in 93108?

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 93108 reaches 30.2% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2017 Thomas Fire · 2018 Montecito mudflow

Which carriers are still writing in 93108?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 93108:

Chubb
AIG Private Client
PURE

Common questions

Common questions about FAIR Plan claims in 93108

01 What is the FAIR Plan penetration in 93108?

As of 2024, approximately 1,086 of 3,592 homeowners in 93108 (30.2%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 93108?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 93108: Chubb, AIG Private Client, PURE. 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.