CBS 8 is Working For You to get answers about the FAIR Plan, California's fire insurance of last resort. Most people never hear about the California FAIR Plan until their homeowner's insurance gets canceled. “It’s not a normal home insurance policy,” said Amy Bach, executive director of the nonprofit United Policyholders. “It only covers fire, lightning, internal explosion. It doesn't cover water damage, leaks, your toilet overflows.” Back said the FAIR Plan is more expensive but necessary. “It's much better to have FAIR Plan coverage than to have no coverage,” Bach said. Once viewed as fire insurance of last resort in high-risk wildfire zones, more and more homeowners, even those in lower risk areas, are now being forced into the FAIR Plan. MORE: https://www.cbs8.com/article/news/local/working-for-you/more-homeowners-forced-into-california-fair-plan/509-29d53fa2-1765-49c0-b439-540c0b29eea5