Urgent: South Orange County
South OC homeowners: FAIR Plan rates jump 30% in October. We can help.
Whether you can move to a traditional carrier or need to stay on the FAIR Plan, we help you get the best coverage at the lowest premium possible, and we know how to do both.
Local San Clemente agency · Fast follow-up · No pressure
What the FAIR Plan rate hike means for South OC homeowners
California's insurer of last resort, the FAIR Plan, received approval for an average 30% rate increase that takes effect October 15, 2026, applying at each policyholder's first renewal after that date. Because most of the increase is tied to wildfire exposure, homes in high fire-risk areas are expected to see jumps of 30% to 50% or more, with some properties facing increases as high as 200%. About 663,000 California FAIR Plan residential policyholders are affected.
Source: SF Chronicle, May 2026
“The largest component of the increase relates to the wildfire portion of policyholders' premiums, so those policyholders whose properties are at significant wildfire risk will see a higher increase than those at lower risk.” — FAIR Plan spokesperson
Why South OC homeowners work with the Mundell Insurance Agency
FAIR Plan Specialists
Most agents don't know how to write or optimize the FAIR Plan properly. We do. We restructure existing FAIR Plan policies to save money without cutting the coverages that matter most.
Carriers Most Agents Don't Have
Access to multiple carriers, including Farmers, still writing California fire-zone homes. If you can leave the FAIR Plan, we'll find the way out.
Honest Answers
If a traditional carrier can write you, we'll move you. If not, we'll optimize your FAIR Plan. Either way, you win.
Local CA Specialists
San Clemente based. California fire-zone homes are what we do.
Two paths. Both win.
Every home in a California fire zone falls into one of two buckets. We're experts at both.
Move off the FAIR Plan
- We shop you across multiple carriers, including ones most local agents don't have access to
- If we can place you, you typically get broader coverage at a comparable or lower premium
- You skip the October FAIR Plan rate hike entirely
Stay on the FAIR Plan, smarter
- Many fire-zone homes truly have no other option. That's the reality.
- Most agents don't know how to write the FAIR Plan well. We do.
- We customize and restructure coverage to maximize protection and minimize premium
We'll tell you honestly which path applies to your home, and execute either one.
Serving South Orange County
Common scenarios we help with
If you're a Realtor, join our Realtor Alliance Program or call (949) 269-7860.
- You've been non-renewed and don't know what to do
- You're on the FAIR Plan and dreading your October renewal
- Your premium has jumped and you want a second opinion
- You just bought a fire-zone home and need coverage fast
- You suspect you're overpaying on the FAIR Plan for coverage you don't need
Free Quote
Don't wait for your October renewal.
Free review of your current policy or FAIR Plan. Send the form and we'll show you exactly where you can save, usually within one business day.
- Local agent, real answers
- Multiple carriers compared for you
- Bundle & multi-policy discounts
- Quotes typically same-day
Thanks, we've got it.
Your request is with our team. A licensed Mundell Insurance agent will reach out, usually the same business day.
In a hurry? Call us at (949) 269-7860.