This has pushed more and more homeowners in the state to turn to the California FAIR Plan. When the voluntary insurance market abandons our constituents, the FAIR Plan is there to pick up those policies.”There is a growing need to make sure the FAIR Plan works for California’s homeowners who can’t get home insurance policies anywhere else, Calderon said. Driving the news: According to the Assembly Insurance Committee, the California FAIR Plan was originally created in 1968 to provide property insurance to California’s property owners in urban areas when they couldn’t get insurance from conventional insurance companies. However, after the 1994 Northridge earthquake caused a homeowners’ insurance crisis, the coverage area eligible for insurance through the California FAIR Plan expanded to include the whole state. Go deeper: “We don’t manage our exposure,” Victoria Roach, president of the California FAIR Plan Association, testified during the insurance committee meeting.