Source: The Signal
Date: 02/14/2026 4:16am

Article Summary:
**Regulation and Retreat: How California’s Insurance Policies Are Driving Homeowners Into the FAIR Plan**
In an opinion column, Santa Clarita resident Denise Lite argues that California’s strict insurance regulations, particularly under Proposition 103, have driven private insurers out of the state and forced hundreds of thousands of homeowners onto the state-backed FAIR Plan. She contends that regulatory delays and limits on rate increases have discouraged competition, doubled FAIR Plan enrollment in recent years, and left homeowners facing rising costs and limited options. Lite calls for policy changes to restore a viable private insurance market.

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