's plan that provides insurance to homeowners who cannot get private coverage has asked for $1 billion more to pay out claims for those .
The state-backed FAIR plan is an insurance pool that the major insurers pay into, which then issues policies to those who have been denied private insurance as their homes are deemed too risky.
Amid rising climate disasters and , increasing numbers of Californians are relying on this insurer of last resort, which tends to have more basic coverage at a higher cost.
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