California FAIR Plan for Basic Fire Insurance for High-Risk Properties

What is the FAIR Plan?

The 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.

Applying for a Policy

1 Find a Broker
Insurance agents and brokers may have access to property insurers other than the FAIR Plan. If they cannot find you insurance through another insurance company, they can assist you in applying for a policy through the FAIR Plan. There is no additional cost for having an insurance broker.

2 Determine Your Eligibility
Your broker will perform a diligent search for comprehensive coverage in the traditional marketplace to determine if the FAIR Plan is right for you. If coverage is available in the traditional marketplace, the FAIR Plan is not right for you.

3 Find the Right Coverage
The FAIR Plan’s policies are tailored to provide coverage for basic fire insurance. Work with a broker to learn if a FAIR Plan policy, along with optional supplemental coverage, fits your needs.

Dwelling Property Types Covered
If you are unable to purchase coverage with a traditional insurance company, the FAIR Plan offers a temporary solution for the following customers:

Owner-Occupied: 1-4 unit dwellings in which the owner lives in one or more unit.

Seasonal Rental: Dwellings that are rented (in whole or part) for less than one year.

Rentals: 1-4 unit dwellings that are rented to a tenant for at least one year.

Renters: Personal property coverage for the tenant of an apartment or single/multi- unit dwelling.

Condominium Unit Owners: Personal property and improvements coverage for a condominium unit owner.