Dwelling
The California FAIR Plan offers Dwelling policies for customers that are unable to purchase coverage with a traditional insurance company.
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.
What is Covered?
The FAIR Plan Dwelling Fire Policy is a named peril policy, which provides coverage only for damage caused by the specific causes of loss listed in the policy.
Fire & Lightning
Internal Explosion
Smoke
Optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief.
For more information and to discuss your insurance needs, please contact a licensed broker.
Need additional coverage?
For more complete property coverage, consider purchasing the Difference in Conditions, Flood or Earthquake policies which supplement the FAIR Plan policy by covering most perils that we don’t cover.
Getting started
For more information and to discuss your insurance needs, please contact a licensed broker. If you don’t have a broker, you may use our broker search to find a broker near you.
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