Residential Insurance

State of California Department of Insurance 19 The FAIR Plan is an association of all property insurers licensed to conduct business in California. It is designed to make property insurance more readily available to people who have difficulty obtaining it from private insurers because their property is considered “high risk.” The FAIR Plan offers a standard fire insurance policy for both the structure and contents. This is a basic property policy that has coverage limitations. No coverage is provided for liability or coverage for other perils such as burglary. Read the policy carefully for a detailed description of coverages. A “Differences in Conditions” policy or other supplemental coverage offered by private insurers should also be considered when purchasing a FAIR Plan policy. Be sure to discuss these coverages with your agent or broker. Detailed information is available from the California FAIR Plan. You may contact them at (800) 339-4099 or visit their website, www.cfpnet.com. If you are unable to find an insurance company that will sell you a homeowners or renters policy because you do not meet their eligibility requirements, or if you cannot find certain coverages, such as fire or flood insurance, there are special insurance programs you should consider. They include: The California Fair Access to Insurance Requirements (FAIR) Plan Problems in Obtaining Insurance