Questions About Last-Resort Property Insurance and Alternatives.
Common questions about switching from last-resort coverage, packaging coverage with A-rated carriers, and working with our co-operative of independent agencies.
- What is a FAIR Plan?A FAIR Plan is a state-backed insurer of last resort for property owners who can't find standard coverage.
- What is the California FAIR Plan?The California FAIR Plan is the state's insurer of last resort for property owners who can't get standard coverage — often due to wildfire risk.
- Will I save money switching off the FAIR Plan?It depends on your property and situation. Our agents review each case individually to find the best available option.
- Do you charge a fee?No. We're paid by the carriers we place coverage with, so getting a quote is free with no obligation.
- What is a DIC (wraparound) policy?A Difference in Conditions (DIC) policy fills the gaps the FAIR Plan doesn't cover — liability, theft, water damage and more.
- Do you handle commercial properties?Yes — we handle apartments, retail, mixed-use and other commercial property risks across California.
Coverage options by state.
FAIR Plans and other residual-market property insurance options vary by state. Select your state to learn what may be available.
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