加州FAIR计划三季度仅新增约2200张保单：增速创2022年以来最慢
加州保险局10月29日公布的最新数据显示，作为州内「最后承保人」的加州FAIR计划（公平获得保险要求计划）在2026年7月至9月仅新增约2200张保单，为2022年以来最慢的季度增速，显示高风险地区居民正逐步回到商业保险市场。
与FAIR计划放缓形成对照的是，12家房主保险公司已承诺留在加州并扩大承保，其中包括全州前十大房主险公司中的7家；与此同时，保险公司提交待审的费率申请数量已降至数十年来的最低水平。保险局表示，这显示近年推行的保险市场改革开始见效，更多加州居民能够重新在持牌商业保险公司买到房主保险，而不必依赖保障范围更窄的FAIR计划。
加州保险专员里卡多·拉腊（Ricardo Lara）表示，FAIR计划本应是临时性的最后选择，它的增速放缓说明商业市场正在恢复供给。保险局同时提醒，在野火高风险社区，FAIR计划目前仍是部分居民唯一的选择，改革将继续推进。（来源：加州保险局）
California FAIR Plan Added Only About 2,200 Policies in Q3: Slowest Growth Since 2022
New data released by the California Department of Insurance on October 29 shows that the California FAIR Plan, the state's insurer of last resort, added only about 2,200 policies from July through September 2026, its slowest quarterly growth since 2022, a sign that residents in high-risk areas are gradually returning to the commercial insurance market.
In contrast to the FAIR Plan's slowdown, 12 homeowners insurers have committed to stay in California and expand their business, including seven of the state's ten largest homeowners insurers, while the number of rate filings awaiting review has fallen to its lowest level in decades. The department says this shows recent insurance market reforms are taking hold, with more Californians able to buy homeowners coverage from admitted commercial insurers instead of relying on the narrower FAIR Plan.
Insurance Commissioner Ricardo Lara said the FAIR Plan is meant to be a temporary last resort, and its slowing growth shows the commercial market is restoring supply. The department also noted that in high wildfire-risk communities the FAIR Plan remains the only option for some residents, and that reforms will continue. (Source: California Department of Insurance)
来源：加州保险局
发布：GSM·美国（发布链接）
图片来源：图片来源：野火逼近居民区（National Institute of Standards and Technology 摄，Wikimedia Commons，Public domain） / Image: Wildfire approaching a residential area, by National Institute of Standards and Technology, Wikimedia Commons (Public domain)
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