To get a California Fair Plan quote, click the button above or give us a call at (949) 450-1822 – we can quote you easily over the phone! Unity One is a licensed broker with the Fair Plan and we are very knowledgeable in this field.
What is the California Fair Plan?
The California Fair Plan offers coverage for any home located in a wildfire area that can’t be insured elsewhere. Primary homes, secondary homes, long-term rentals, short-term vacation rentals, condos, townhomes, vacant homes, manufactured/mobile homes, and commercial buildings are eligible! The Fair Plan satisfies all mortgage lender requirements. The California Fair Plan is a pool of all admitted insurance companies throughout our state. To read more about wildfire insurance in general, go to our Wildfire Insurance page.
What Does The Fair Plan Cover?
- Fire & Wildfire
- Lightning
- Smoke
- Internal Explosion
- Ordinance or Law
These perils are also covered with additional endorsements:
- Wind
- Hail
- Riot or Civil Commotion
- Vandalism & Malicious Mischief
- Vehicles or Aircraft
- Volcanic Eruption
- Inflation Guard
- Extended Dwelling Coverage
So the Fair Plan insures your home, building, yurt, etc. but what else? See below:
- Other Structures – any detached structures on the property. For example – your Gazebo, Guest House, Solar Panels, Stables, Sheds, Decks, Driveways, Patios, Barns, Bridges, Garages, & more!
- Personal Property – all your stuff! Clothes, jewelry, pots, pans, furniture, etc. are insured for Replacement Cost meaning that they are replaced new instead of a depreciated value.
- Fair Rental Value – If the home needs to be rebuilt or repaired due to a fire or other covered peril, you may need somewhere else to rent! Basically, this gives you rent money to live somewhere else.
- Additional Debris Removal
- Plants, Shrubs, Trees
- Awnings, Signs, Outdoor Radio & TV Equipment, Fences
Important! Read Before Buying Your Fair Plan Policy
The California Fair Plan rates are going to be the same no matter who you talk to. Sometimes the cheapest policy isn’t the best policy and sometimes the most expensive policy isn’t either. Remember, insurance is there to make you whole again – not to hinder or enhance you. Unity One is your guide in writing the Fair Plan as it’s what we do every day, all day!
What is the Difference In Conditions (DIC) or Wrap Around Policy?
The Difference In Conditions policy (DIC), or Wrap Around covers things the California Fair Plan does not. The DIC Wrap covers:
- Water Damage
- Liability & Medical Payments
- Theft
- Falling Objects
- Weight of ice, snow & sleet
- & More
To mimic a normal home policy, you must obtain the DIC policy to fill in the missing coverages that the Fair Plan does not offer. The good news is that the DIC Wrap policies are inexpensive and there is plenty of insurance carriers to choose from. Since we are a broker, we have many DIC Wrap markets and can get you a good plan.
