California FAIR Plan Basic Property Insurance
Insurance ProductsRenters / Homeowner's
About
- Provides basic property/fire insurance as California's insurer of last resort when a consumer cannot reasonably obtain coverage in the traditional insurance market.
Eligibility — Other
- Applicant must work through a licensed broker/agent registered to place business with the FAIR Plan.
- A licensed broker must conduct a diligent search; FAIR Plan is intended only when adequate coverage is not available through the normal insurance market.
Eligibility — Residency
- Property to be insured must be located in California and fit an eligible FAIR Plan property/occupancy type.
Service area
- CA
Benefits
- Coverage limits and annual premium vary by property and policy. (Premium is paid according to the selected payment plan; coverage is generally renewed on the policy cycle.)
- Paid basic property/fire insurance policy
Documents needed
- Broker application
- Property details
- Desired coverage
- Prior/traditional-market search information
- Underwriting documents requested by the FAIR Plan
How to apply
- online
- through a broker
- through a licensed insurance broker
- in-person (via broker)
- Processing time: Varies by broker submission, property eligibility, and underwriting.
