On October 22, 2025, the Los Angeles Times reported that California insurers had approval to pass FAIR Plan assessment costs through to policyholders. State Farm General, hit with more than $165 million of the $1 billion assessment, won a 1.13% fee on standard homeowners for two renewal periods starting December 1 — about $50 on average. Condos and renters saw 2.25% for one renewal. Commercial was 0.26% starting January 1.
That is how a Palisades claim becomes a line item in Chula Vista. The FAIR Plan is backed by every admitted property insurer. When it cannot pay, the members pay, and Prop 103 filings let them recover a share from the book that is still in force.
Read the bill. A recoupment fee is not the same as a base-rate increase, and it should come off after the approved periods. If it is still there a year later, call.
If this is on your renewal, call the office at (619) 420-8600 or start a quote. We will tell you what the market will actually write.
Sources: Los Angeles Times, October 22, 2025.