To get a California Fire Plan quote, click the button above or give us a call at (949) 450-1822 – we can quote you easily over the phone! We are very knowledgeable in this field.
What is a California Fire Plan?
A California Fire Plan offers coverage for any home located in a wildfire area. Primary homes, secondary homes, long-term rentals, short-term vacation rentals, condos, townhomes, vacant homes, manufactured/mobile homes, and commercial buildings are eligible! To read more about wildfire insurance in general, go to our Wildfire Insurance page.
What Does A Fire Plan Cover?
Sometimes fire plans cover most of a what a typical home policy would cover – fire, wind, hail, water damage, etc. but sometimes they only insure certain perils like below:
- Fire & Wildfire
- Lightning
- Smoke
- Internal Explosion
- Ordinance or Law
- Wind
- Hail
- Riot or Civil Commotion
- Vandalism & Malicious Mischief
- Vehicles or Aircraft
- Volcanic Eruption
So a Fire 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.
- Rental Coverage – 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.
Important! Read Before Buying Your Fire Plan Policy
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 fire plans 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 is a policy that picks up coverages that sometimes fire plans don’t offer. Some fire plans offer a typical home policy and cover these things, but some don’t. A DIC covers:
- Water Damage
- Liability & Medical Payments
- Theft
- Falling Objects
- Weight of ice, snow & sleet
- & More
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.
