California FAIR Plan Insurance Insurance
The California FAIR Plan (Fair Access to Insurance Requirements) provides basic fire insurance for California properties that cannot obtain coverage through the traditional insurance market. If you've been declined by standard carriers due to wildfire risk, brush zone exposure, or high Fireline scor…
Key Coverages for California FAIR Plan Insurance Businesses
- Fire damage coverage (named peril)
- Lightning damage protection
- Internal explosion coverage
- Optional vandalism and malicious mischief coverage
- Debris removal (limited coverage)
- Coverage for dwelling and other structures (residential)
Frequently Asked Questions
What is the California FAIR Plan and how do I qualify?
The California FAIR Plan is an insurance pool of last resort that provides basic fire coverage when you can't get insurance from regular companies. You qualify if you've been declined by the traditional market due to wildfire risk, brush zone locatio…
What does FAIR Plan insurance cover?
FAIR Plan provides basic fire insurance covering fire damage, lightning, and internal explosion. It does NOT include theft, liability, or comprehensive homeowners coverage. Many policyholders pair FAIR Plan with a Difference in Conditions (DIC) polic…