On the FAIR Plan? Let's find out what else your home can get.

The FAIR Plan is real coverage, and for some homes it is the right answer. For many others it is simply the option someone arranged fastest. One short form finds out which one you are.

What changes on October 15, 2026

New FAIR Plan dwelling rates take effect October 15, 2026, raising the price of dwelling coverage 29.1% on average across new and renewed policies. About half of the people on the plan are seeing increases of 30 to 50 percent, and about a quarter are seeing their price go down. If you last weighed your options a year ago, you weighed them against a different price.

casa.insure is independent of the California FAIR Plan. This is not the Plan's official site; the Plan itself is at cfpnet.com.

What casa does for you

One short form about your home, about 3 minutes. A licensed agent takes it to the standard insurers first and, if they say no, to the specialty insurers built for homes the standard market turns down, which work only through licensed agents. Your quotes come back by email within 24 hours, usually much sooner, seven days a week.

Nothing changes until you say so

Your current policy stays exactly as it is while we search. Getting quotes changes nothing, costs nothing, and commits you to nothing. If you do move, your new policy starts first, and only then does the old one end.

Two ways this ends, and both are useful

A full homeowners policy: one policy instead of a fire policy plus whatever you added around it, with coverage for what a fire policy leaves out, like a burst pipe, theft, liability, and a place to stay while your home is repaired.
Confirmation that the FAIR Plan really is your floor for now. That is a real answer too, and you will know it because a licensed agent looked.

Questions people ask us

Do I have to cancel my FAIR Plan policy to get quotes?

No. Nothing happens to your current policy unless you choose a quote, and then your new policy starts first.

What if the FAIR Plan really is my only option?

Then you will know, and you will know why. Some California homes genuinely have no other market right now, and a licensed agent will tell you that plainly.

Can I leave the FAIR Plan partway through my policy year?

Usually yes, and any amount you already paid for the unused time is generally returned to you. Get the replacement active first, then end the old one.

My renewal jumped. Is that the rate change?

It might be, and it might be a coverage change on top of it. Check the dwelling amount and the deductible on the new declarations page against the old one. Either way, one renewal is one number, and it is worth testing against the rest of the market before you pay it.

See what else your home can get.

One short form, about 3 minutes, and quotes come back within 24 hours. Your current policy is not touched.

Get my quotesFree. About 3 minutes. No account, no spam calls.