In this episode of the Mindset Matters podcast, the host discusses the complexities of homeowners insurance in Oregon with Steve Steinbeck, the executive director of the Oregon Fair Plan Association. They explore the challenges homeowners face in obtaining insurance, particularly in high-risk wildfire areas, and the role of the Oregon Fair Plan as a safety net for those unable to secure coverage through traditional means. The conversation delves into the eligibility criteria for the Fair Plan, the underwriting process, and the importance of risk mitigation strategies for homeowners. Additionally, they discuss the concept of non-admitted carriers and the coverage limits provided by the Fair Plan, emphasizing the need for responsible applicants who take proactive steps to protect their properties.