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About California FAIR Plan
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California FAIR Plan is an insurance association made up of private companies in the California area. It’s specifically designed for home and property owners that struggle to find coverage due to the likelihood of natural disasters or crime in their area. It provides policies for commercial properties, mobile homes, traditional homes and other structures.
What is California FAIR Plan?
California FAIR Plan is an insurance conglomerate that provides coverage for those living in high-risk areas (due to frequent wildfires, earthquakes, etc.) in California. It isn’t a state agency; instead, it's a private association that helps ensure all California residents get adequate coverage to protect their homes and property from natural disasters.
California FAIR Plan coverage
Applying for home insurance can be difficult if you live in an area vulnerable to natural disasters like wildfires and earthquakes. California FAIR Plan offers coverage for high-risk properties that private insurance companies might not be willing to cover. This insurance is available for any property in California, including mobile homes. Some of the coverages the FAIR Plan offers:
- Dwelling: Coverage for homeowners and tenants (the website lists stringent specifications for this), including owners who seasonally occupy a home, have a vacant property or own a condo unit, as well as renters and their personal property.
- Commercial and course of construction: Covers losses due to fire, lightning or explosion; for buildings with five or more units, such as retail, office, manufacturing or commercial spaces.
- Business owners: Designed for small- to medium-size businesses. It covers fire, lightning, explosions, windstorm, hail, smoke damage and more.
- CEA-earthquake: Protects against earthquakes; designed for one- to four-family residential properties and condominiums. To apply for this coverage, you'll need to be a California FAIR Plan policyholder already.
California FAIR Plan rates
The California FAIR Plan website has info on its policies, coverages and application process, but it doesn’t disclose its rates or premiums. Because it’s an insurance provider for homeowners with properties that are difficult to insure, its policies could be on the pricier side. You can call or email the company to get further details about its coverage rates.
California FAIR Plan FAQ
What does a California FAIR Plan policy cover?
The California FAIR Plan covers high-risk homes, businesses and other property from damages due to natural disasters, but you can add optional policies for both residential and commercial properties.
Who owns California FAIR Plan?
California FAIR Plan is an association made up of all private insurers in the state of California.
What's the purpose of California FAIR Plan’s policies?
California FAIR Plan ensures that California residents are able to protect their residential or commercial property in high-risk areas.
What requirements must I meet to qualify for California FAIR Plan insurance?
To qualify for California FAIR Plan’s home insurance, you must have been denied by other insurance companies and live in an area that's considered high risk.
Is California FAIR Plan good insurance?
California FAIR Plan offers basic insurance for properties likely to be affected by wildfires or earthquakes. Its coverage isn’t comprehensive, but it’s ideal for those who’ve had a hard time finding coverage elsewhere. If you live in a high-risk property in California and are struggling to find a home insurance provider, we suggest checking out California FAIR Plan’s policies.
California FAIR Plan Reviews
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Reviewed Nov. 4, 2023
We just bought our house last year. They doubled our insurance to cover fire. It’s a monopoly of insurance companies under this. Not only do we have to pay Farmers but now this. Why is nothing being done! They are going to hurt homeowners.

Reviewed July 27, 2023
I've been paying $3k a year and until this year, I have never filed a claim. The massive storms caused around $3k of damage to a heater vent and cricket. I was denied, because CFP deemed the damage was due to snow not wind. Why would I renew? READ your policies carefully as the wording has changed the last year or two.
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Reviewed March 18, 2023
I pay $4,288 to Cal Fair and $1,818 to Farmers Ins. Cal Fair is a monopoly; there is no other choice but this wildly expensive insurance for much reduced bare minimum coverages. The insult added to injury is the requirement to also purchase "normal" h.o. insurance (In my case Farmers). For additional coverage, at no detectable lower premium cost. Since 2017 their premium has actually increased!
Reviewed March 17, 2023
I rebuilt my home after Tubbs fire. It is incredibly defensible with cement board, metal roof, fireproof hardscape, and two 10,000 gallon water tanks and hydrant. I pay ten times the normal insurance for less coverage. This is a rip-off. I am struggling to stay in my home and have done everything I can to keep it safe from fire. I am not in a forest or surrounded by any trees. I just have an unlucky zipcode. If I stayed during the last fire to put out embers with a garden hose, I would not have lost my home. So, I am stuck with the Fair Plan, but the cost is draining me.
Reviewed Sept. 26, 2022
Again anything that’s run by the state California is completely corrupt. Not only are the insurance companies not held accountable, after collecting payments then selectively pulling out of certain area considered high risk. Now the new “California corrupt plan” Dramatically changing its price structure without notice increases of 35 to 40%.
Reviewed Dec. 18, 2021
This plan seems anything but FAIR. It is a complete rip off. They have set this up so certain properties require CA Fair Plan endorsement for insurance which doubles the cost of insurance. I had no problem getting fire insurance, but the property required this nonsense endorsement. Prior to this con game, homeowner's insurance in my area covered fire at about $1800 per year. Now with this FAIR endorsement, it is $4400 per year. This is just ripping people off and should not be allowed.
Reviewed Nov. 11, 2021
Anything but fair. We lost everything in the Caldor fire. After 4 months we have yet to get our money!!! We entered into a “Good Faith” agreement and they have yet to settle. Don’t use them. They suck!
Reviewed June 26, 2021
The insurance covers for fire, internal explosion and external vandalism. Homeowners pay $1,166 per year, and it is a compulsory program which provides fair access to people who find it very difficult in insuring their property. The insurance is governed by board which includes the California insurance commissioner and insurance company executives. This year, 2021, it gave a fat discount for people to be involved and applied. One can apply directly or through a broker. Usually properties are inspected when completing your application form. Based in inspection, you may be advised to put in place fire extinguisher or at times clearing brush from property.
Reviewed June 23, 2021
We had wind damage in Feb 2021. It's now late June 2021 and is still unresolved. I had 25 K in damage and the Fair Plan wants me to settle for 11.5 K. Dominique ** is my CFP rep. If you get this guy, God help you. He sound smooth and competent but If he is talking - he is lying. The claims process has been 1000% more traumatizing than the wind damage.
Reviewed April 3, 2021
I have a cabin in the mountains. I have it insured with California FAIR Plan because it is a mountain cabin. Other companies like State Farm, Farmers, etc. will not insure it. I have been using California Fair Insurance for about 14 years, always pay on time and have never made a claim. I just received my policy billing for 2021 and found that they have increased my policy billing by over 55.5% over what I paid in 2020. As a comparison, this new rate makes my payment 198% the amount I pay for my primary home which is twice the size of the cabin and carries far more coverage.
California FAIR Plan Company Information
- Company Name:
- California FAIR Plan
- Website:
- www.cfpnet.com
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