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. We recommend that all FAIR Plan policyholders shop for a different insurer at least annually in order to search for coverage that is more comprehensive than that offered by the FAIR Plan. 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.
Our office will close at 3 p.m. on Wednesday, November 27th. We will also be closed on Thursday, November 28th and Friday, November 29th for the Thanksgiving Holiday. Our Online Payment and Claim Reporting systems can be accessed during closure hours. Policy data via our 24-hour Phone Access System will also be available.