Our Policies
Our insurance policies are tailored to provide Californians basic fire coverage when this coverage is not available from a traditional carrier. Work with a broker to find appropriate coverage.
Dwelling
Coverage for Owner or Tenant occupied dwellings with up to 4 family units and personal property for renters and
condo owners.
Commercial
Business owned buildings including habitational units, retail mercantile, manufacturing risks, farms, wineries, and office buildings. Individual owned habitational buildings with 5 or more units.
Earthquake
Coverage for individually owned residential properties and personal property of tenants and condo owners through the California Earthquake Authority (CEA).
Need more coverage?
If you and your broker are unable to secure a policy from another company, your broker can help you find a Difference in Conditions policy which offers additional coverages to provide the equivalent of comprehensive homeowners insurance. You may wish to ask your broker about Flood and Earthquake insurance to see if they’re right for you.
HOW IT WORKS
Applying for a Policy
01 Find a Broker
Insurance agents and brokers may have access to property insurers other than the California FAIR Plan. If they cannot find you insurance through another insurance company, they can assist you in applying for a policy through the California FAIR Plan. There is no additional cost for having an insurance broker.
02 Determine Your Eligibility
Your broker will perform a diligent search for comprehensive coverage in the traditional marketplace to determine if the California FAIR Plan is right for you. If coverage is available in the traditional marketplace, the California FAIR Plan is not right for you.
03 Find the Right Coverage
The California FAIR Plan’s policies are tailored to provide coverage for basic fire insurance. Work with a broker to learn if a California FAIR Plan policy, along with optional supplemental coverage, fits your needs.
Do I need a California FAIR Plan Policy?
The California FAIR Plan is an insurer of last resort. If you cannot obtain coverage in the traditional insurance market, the California FAIR Plan may be a temporary solution.
What is the California FAIR Plan?
The California FAIR Plan was established so that all California property owners have access to basic fire insurance when access to coverage in the traditional market is not available through no fault of the property owner.
About Us