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…
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…
How much does California FAIR Plan cost?
FAIR Plan premiums are typically higher than traditional insurance because it covers high-risk properties. Costs depend on your property value, location, construction type, and fire protection measures. Properties with defensible space and fire-resis…