California FAIR Plan Coverage and Pricing Explained
The California FAIR Plan provides essential fire coverage for homes that can’t obtain insurance in the standard market. But it’s not a complete replacement for traditional homeowners insurance. Understanding exactly what you’re getting is critical.
What the FAIR Plan Covers
The basic FAIR Plan policy covers your dwelling and other structures against fire, lightning, and internal explosion. Extended coverage is available for additional perils including windstorm, hail, explosion, riot, civil commotion, aircraft and vehicle damage, smoke damage, and vandalism.
Personal property coverage can be added to protect belongings inside your home. Loss of use coverage provides living expenses if your home becomes uninhabitable due to a covered loss.
What's NOT Covered
This is where many homeowners get surprised. Standard FAIR Plan policies do NOT include: theft or burglary, water damage (including floods), personal liability, medical payments to others, earthquake damage, or many other perils covered by traditional homeowners policies.
This is why wraparound policies exist, and why we strongly recommend them for most FAIR Plan policyholders.
Coverage Limits
The California FAIR Plan offers dwelling coverage up to $3 million. For higher-value homes, excess coverage may be available through specialty insurers. We help clients determine appropriate coverage limits based on current replacement cost estimates.
Pricing Factors
FAIR Plan premiums depend on several factors: your property’s location and fire zone designation, the dwelling’s replacement cost, construction type (frame vs. masonry), roof material, distance to fire station and water source, defensible space and vegetation management, and coverage options selected.
Premium rates have increased significantly in recent years as California’s fire risk has grown. We provide accurate quotes based on current rate tables so there are no surprises.
Get an Accurate Quote
Every property is different. The only way to know your actual cost is to get a quote based on your specific address and coverage needs. We provide quotes within 24-48 hours at no cost or obligation.