California FAIR Plan Association

California FAIR Plan

Available Home Repair

About This Program

California's insurer of last resort provides basic fire insurance for homeowners unable to obtain coverage in the traditional market. Common in high fire-risk areas. Does not cover comprehensive perils; supplemental policies recommended.

Premiums vary by property value and risk factors

Key Details

  • Basic fire insurance for high-risk properties
  • Available when traditional insurance unavailable
  • Covers dwelling and personal property
  • Supplemental policies available for additional coverage
  • Required by mortgage lenders

How to Apply

Deadline: Ongoing program year-round

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