California FAIR Plan in 95033 (Los Gatos)

Mountain ZIP for upper Los Gatos / Summit Road area. Bracketed by both major 2020 lightning complexes. High-net-worth carriers still write a portion of estates.

31%

FAIR Plan penetration

1,218

FAIR Plan policies (2024)

+16.8%

YoY change

Santa Clara

County

Why is FAIR Plan exposure so high in 95033?

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 95033 reaches 31% — a level that signals systematic admitted-carrier retreat from the area, typically driven by wildfire risk modeling.

Recent disaster activity:

2020 CZU Lightning Complex · 2020 SCU Lightning Complex

Which carriers are still writing in 95033?

Per recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 95033:

Chubb
AIG Private Client

Common questions

Common questions about FAIR Plan claims in 95033

01 What is the FAIR Plan penetration in 95033?

As of 2024, approximately 1,218 of 3,924 homeowners in 95033 (31%) are insured through the California FAIR Plan.

02 Which insurance carriers are still writing policies in 95033?

As of the most recent CDI data, the following admitted carriers are still actively writing new homeowner policies in 95033: 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.