The Plan spokesperson said, "The FAIR Plan is committed to ensuring all Californians have access to basic property coverage and the peace of mind they deserve. The FAIR Plan serves as the state's and exists to provide insurance to property owners who are unable to obtain coverage in the voluntary or surplus lines markets. By statute, the FAIR Plan is not intended to compete with or replace traditional insurers." 'insuren of first resort 'insurer of only resort insurer of all resort 'insurer of last resort