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California FAIR Plan Coverage for Declined or Non-Renewed Homeowners Insurance Policies

Has your insurance company cancelled or non-renewed your homeowners policy?
Are you buying a home and can’t find standard homeowners insurance?

As California continues to experience drought conditions and wildfires rage across the state, people who have had their homes for years, even decades, are suddenly finding themselves scrambling to get homeowners insurance. And many new homebuyers are sidelined by not being able to secure coverage for their purchase.

We can help.

The California FAIR Plan accepts almost every home and location, and is only available through a licensed broker. We’ll make it easy for you and ensure that your home is properly covered.

Though the FAIR Plan will most likely accept your home, you’ll need us to navigate what can sometimes be a confusing process. Understand that the FAIR Plan policy only covers losses due to fire, smoke, lightning and internal explosion. Because of this, we pair it with a Difference in Conditions (DIC) policy, also sometimes known as a ‘wraparound’ to cover losses due to water, theft and liability.

Homeowners Insurance

Name(Required)

First Last

Address(Required)

Street Address Address Line 2 City ZIP / Postal Code

Email(Required)

Phone(Required)

Date of Birth

What year was the home built?(Required)

When did you purchase the home?

How many square feet? *(Required)

How many stories?(Required)

How many bedrooms?(Required)

How many bathrooms?(Required)

Construction type? Frame? Brick?(Required)

What is the roof material?(Required)

What type of foundation? Crawl space? Slab?(Required)

Any skylights, picture windows, bay windows?(Required)

What type of floors (carpet, hardwood, etc.), what percentage of each type?(Required)

Do you have a fireplace or any other supplemental heating?(Required)

Central/Direct smoke, fire or burglar alarms?(Required)

Does your home have an interior sprinkler system?(Required)

Yes

Do you have a swimming pool?(Required)

Yes

Are you in a gated community?(Required)

Yes

Do you have a dog? If so, what breed?(Required)

Any other structures on the property, such as a shed?(Required)

What type of garage? Attached, detached? How many cars?(Required)

When was the roof last replaced?(Required)

When was the plumbing last updated?(Required)

When was the electrical last updated?

Anything else we should know about this home?(Required)

California FAIR Plan Coverage for Declined or Non-Renewed Homeowners Insurance Policies

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