California FAIR Plan in 93117 (Goleta)
Goleta foothills carry significant FAIR Plan exposure. Coastal flats remain in the admitted market.
29.8%
FAIR Plan penetration
2,418
FAIR Plan policies (2024)
+12.1%
YoY change
Santa Barbara
County
Why is FAIR Plan exposure so high in 93117?
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 93117 reaches 29.8% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.
Recent disaster activity:
2017 Thomas Fire · 2024 Lake Fire
Which carriers are still writing in 93117?
Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 93117:
- State Farm (limited)
- Farmers
- Mercury
Common questions
Common questions about FAIR Plan claims in 93117
01 What is the FAIR Plan penetration in 93117?
As of 2024, approximately 2,418 of 8,124 homeowners in 93117 (29.8%) are insured through the California FAIR Plan.
02 Which insurance carriers are still writing policies in 93117?
As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 93117: State Farm (limited), 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.