The California FAIR Plan just got a rate increase approved and if you own or are buying in the Oakland or Berkeley Hills, this affects you directly. Here’s what the numbers actually look like: The average increase is about 30%. But it’s not that simple. Roughly half of all FAIR Plan policyholders will see increases between 30–50%. A quarter could see significantly higher increases depending on their fire risk zone. And about a quarter will actually see a decrease, up to 80% lower. This goes into