October 14th, 2025

Wondering what the recently filed CA FAIR Plan rate proposal could mean for your home insurance? 

At Cobalt Insurance Agency and East Main Street Insurance Services we're always tracking the latest developments, and we want to share what we know, as soon as we know it.

To help you get a clearer picture, we built a simple tool where you can see the proposed rate impacts for your specific zip code.

PLEASE NOTE: This is purely based on a recent filing and is NOT the final rate. The numbers will be reviewed and the approved rates will most likely be different. We're providing this as a transparent way for you to see the initial proposals.

Our commitment is to empower you with information. Feel free to reach out with any questions!

Enter your 5-digit zip code to see the relevant data.

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Cobalt Insurance Agency | https://www.teamcia.net/

East Main Street Insurance Services | https://www.eastmainins.com/

This summary is based on information obtained from public rate and form filings accessible through the NAIC SERFF interface and/or the California Department of Insurance. The analysis presented here is provisional, for informational purposes only, and does not represent an official interpretation of any filing or approval. Rates, terms, and filing statuses are subject to change, and readers should verify all information directly with the California Department of Insurance. Neither the author, nor Cobalt Insurance Agency, nor East Main Street Insurance Services is affiliated with or endorsed by the NAIC or the State of California. Use of SERFF data is subject to NAIC’s public access policies.