Fair Plan Change – Discounts for Individual Improvements Available

If you are on the Fair Plan, on 11/152025, the discounts for defensible space work changed. Previously, homeowners received discounts only if they met all requirements in a category. This change offers discounts on a line by line basis. You should contact your insurance broker to see if you qualify for additional discounts.

How the discount system is changing

• Individual discounts: The new system allows you to get a discount for each specific improvement you’ve made, rather than needing to complete a whole tier of requirements.
• Easier qualification: You will no longer be disqualified from a discount just because you are missing one or more items on the previous list.
• More granular approach: The new criteria are more specific, allowing you to get credit for the work you’ve already completed.
• Examples of new discounts: You may now be eligible for a discount for meeting criteria such as having a Class-A fire-rated roof, a 5-foot ember-resistant zone, or ember-resistant vents. 

What to do

• Contact your agent: Your insurance agent can provide you with the new, more granular forms and help you determine what discounts you may now qualify for.
• Review your property: Look through the new criteria and identify which improvements you’ve made to ensure you are not missing out on potential savings.
• Monitor rate changes: The FAIR Plan has also filed for a significant rate increase that is under review by regulators, so be sure to monitor updates and check with your agent for a specific estimate of your new premium.