Log in

The California FAIR Plan, explained

The FAIR Plan is California's last-resort fire policy. It is real coverage and it pays claims, and it covers less than the policy most homeowners had before. Its average dwelling rate rises 29.1% on October 15, 2026.

casa.insure is independent of the California FAIR Plan. This is not the Plan's official site; the Plan itself is at cfpnet.com. These guides cover what the Plan pays for, what the October change means for a renewal, and what else a California home can get.

  1. The FAIR Plan is the floor, not the default.The California FAIR Plan's average rate rises 29.1% on October 15, 2026. What the fire policy covers, what a DIC wrap adds, and how to check other options.4 min read
  2. There are real alternatives to the FAIR Plan. Here is how to compare them.The California FAIR Plan is one option, not the only one. The three real alternatives, and how to compare their total annual cost honestly.6 min read
  3. The wrap is the other half of a FAIR Plan setup.A DIC wrap policy pairs with a California FAIR Plan fire policy to add back liability, water, theft, and loss of use. What it covers, and how it is priced.6 min read
  4. The FAIR Plan does not cover water damage, theft, or liability.A California FAIR Plan dwelling policy is a fire policy, so water damage, theft, and liability are not covered. What it does cover, and how to check yours.5 min read
  5. If your FAIR Plan price jumped, here is what changed.New California FAIR Plan dwelling rates take effect October 15, 2026, up 29.1% on average. What else can move a renewal, and what to check on your notice.5 min read
  6. You can leave the FAIR Plan before it renews. Here is the safe order.You can leave the California FAIR Plan before it renews, with no penalty and a prorated refund. The safe order that keeps you from creating a coverage gap.4 min read
  7. How much will the FAIR Plan actually cover, and what happens above it?The California FAIR Plan currently caps dwelling coverage at $3 million combined. How your coverage amount should track rebuild cost, not market value.5 min read

The search is free and takes about 3 minutes.

Get my quotes