I Have a FAIR Plan Quote
The California FAIR Plan is a state-established program, not a carrier, and it covers a narrow set of perils led by fire. It is not a homeowners policy. Before you accept a FAIR Plan quote, we check whether an admitted carrier will still write your address, and we price the companion policy.
In insurance since 1981 Independent agency CA Lic. 0606906
What Does a FAIR Plan Policy Not Cover?
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Personal liability
If a visitor is injured at your home, a fire-focused FAIR Plan policy is not the coverage that responds. That comes from the companion policy.
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Theft
Burglary losses are outside the FAIR Plan's covered perils. This surprises people who assume any home policy includes it.
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Water damage
Sudden plumbing failures and appliance leaks, one of the most common homeowners claims, are not part of the FAIR Plan's peril list.
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Loss of use, in most cases
Coverage for living somewhere else during a rebuild is limited or absent depending on the form. Check the quote rather than assuming.
Should I Accept the FAIR Plan Quote?
Only after someone has checked the admitted market for your address and priced the companion policy that goes with it.
Send us the FAIR Plan quote and your last declarations page. We will read the covered perils and the dwelling limit against what you were carrying before, so you can see the difference in writing rather than in the premium alone.
Then we test the admitted market. If a California-admitted carrier will write the home, a standard policy is generally the broader coverage. If none will, the FAIR Plan plus companion structure is a legitimate answer, and we quote both halves so there is no gap between them.
A FAIR Plan policy alone leaves your liability uncovered. Never let the companion policy be treated as optional paperwork.
Related Situations
Straight answers, in their words.
“PLACEHOLDER_ verbatim Kevin Cox review pending. Quote as written, including the typo; trim with an ellipsis if needed.”
FAIR Plan — FAQ
Is the California FAIR Plan an insurance company?
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What is a companion policy?
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Can I leave the FAIR Plan later?
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Non-renewed, or having trouble finding coverage?
Send us the notice or tell us what's been declined. We read it with you, check the California-admitted carriers we represent for your address, and explain the FAIR Plan with a companion policy where that's the route — and what each does and does not cover.
Mon–Fri 8:30am–5:30pm PTClosed weekends
Get a free non-renewal review →- Free review
- We read the exclusions with you
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Talk to a licensed agent.
Call or send a note and tell us what you need covered. A licensed agent gets back to you — not a queue — with which carriers can write it, what the policy excludes, and what happens next.
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Office
3910 Prospect Ave, Unit C, Yorba Linda, CA 92886
Last updated September 2026