The FAIR Plan is an association located in Los Angeles comprised of all insurers authorized to transact basic property insurance in California. Coverage is available to all California property owners, provided basic underwriting guidelines are met. The FAIR Plan issues insurance as a last resort, and should be used only after a diligent effort to obtain coverage in the voluntary market has been made. Click here to see a list maintained by the California Department of Insurance of those insurance companies licensed to sell residential insurance in California.

The California FAIR Plan does not estimate the cost to rebuild your home, or the cost of labor and materials in your (or any other) area, or determine the appropriateness of the coverage you request. Instead, those are your responsibilities.