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 occupancy types:
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.
Learn More
View a sample Dwelling policy here.
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.
Need additional coverage?
For more complete property coverage, consider purchasing Difference in Conditions, Flood, or Earthquake policies to supplement your FAIR Plan policy by covering additional perils.
Learn More About Additional Coverage
Discounts
The FAIR Plan offers discounts for policyholders who take action to make their home, surrounding space, and communities more resistant to wildfire. Learn more here.
Getting started
To discuss your insurance needs, please contact a licensed broker. Brokers may be able to offer you additional insurance options that provide more comprehensive coverage than the FAIR Plan. Additionally, you may wish to contact more than one broker to see whether they can offer you coverage through other insurers. Not all brokers are registered to work with the FAIR Plan.
Find a Broker