Question 1

What is a FAIR Plan?

Accepted Answer

A FAIR Plan is a state-backed property insurance option of last resort for homeowners and property owners who cannot find coverage through the standard insurance market. It can help provide access to basic coverage, but it may offer fewer protections than a traditional homeowners policy, so many property owners also review supplemental or alternative coverage options with a licensed agent.

Question 2

What is the California FAIR Plan?

Accepted Answer

The California FAIR Plan is California's insurer of last resort for property owners who can't get standard coverage — typically due to wildfire risk. It provides access to basic property coverage, though property owners may need supplemental or alternative coverage depending on their needs.

Question 3

Will I save money switching off the FAIR Plan?

Accepted Answer

Sometimes, but it depends on property location, condition, coverage needs, underwriting, and carrier availability. Our agents review each situation individually.

Question 4

Do you charge a fee?

Accepted Answer

No. We're paid by the carriers we place coverage with. Getting a quote is free with no obligation.

Question 5

What is a DIC (wraparound) policy?

Accepted Answer

A Difference in Conditions policy fills the gaps the FAIR Plan doesn't cover — liability, theft, water damage, and more — so you end up with coverage comparable to a standard homeowners policy.

Question 6

Do you handle commercial properties?

Accepted Answer

Yes — apartments, retail, mixed-use, and other commercial property risks across California.

Questions About Last-Resort Property Insurance and Alternatives.

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