California FAIR Plan guides
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 dwelling rates are 29.1% higher on average for new policies and renewals on or after October 15, 2026. Some homes see more than that, and some see less.
What the California FAIR Plan covers, and what it costs.
What the California FAIR Plan covers and leaves out, what a DIC wrap adds, and its rates from October 15, 2026: 29.1% higher on average, varying by home.How do you apply for the California FAIR Plan?
You apply for the California FAIR Plan through a broker registered with it. What the Plan inspects, what it turns down, and what to check before applying.There are real alternatives to the FAIR Plan. Here is how to compare them.
The alternatives to the California FAIR Plan, in the order worth checking, how to compare their yearly cost, and how to get off the Plan without a gap.How does the California FAIR Plan clearinghouse work?
The FAIR Plan clearinghouse lets insurers review FAIR Plan policies and offer coverage through your broker. Why few homes moved, and what changes in 2027.The DIC policy, or 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.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.If your FAIR Plan renewal jumped, here is why, and what you can do.
Why did your California FAIR Plan premium go up? New rates, a higher rebuild amount, a lower deductible or added coverage. What to check on your notice.How much will the FAIR Plan's October 15, 2026 rate increase change my renewal?
FAIR Plan dwelling rates are 29.1% higher on average, varying by home, for new policies and renewals on or after October 15, 2026. What to do before yours.You can cancel the FAIR Plan before it renews. Here is the safe order.
Yes, you can cancel a California FAIR Plan policy any time, in writing, with no penalty and a pro rata refund. The safe order that avoids a coverage gap.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.
These guides cover what the Plan pays for, what the October 15, 2026 rate change means for a renewal, and what else a California home can get.
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