California Fair Plan

DG Insurance is well-versed in navigating the California Fair Plan and placing policies for our clients with the Fair Plan. For help with obtaining a Fair Plan policy, you can call us (805-379-3899), email us (, or fill out the contact form below.

For those interested in learning more about California Fair Plan as well as its coverages and limitations, here is some information you may find helpful.

California Fair Plan exists as a last resort option for clients who cannot obtain coverage with a traditional insurance carrier. They are a a syndicated fire insurance pool comprised of all insurers licensed to conduct property/casualty business in California. The FAIR Plan was established by statute (California Insurance Code sections 10091 et seq.) in August, 1968 as an insurance placement facility.

When there are no traditional carriers that will offer coverage on a home we can submit to California Fair Plan for a quote. Fair Plan has a limited homeowners policy that does cover fire and a few other perils but excludes many coverage commonly provided in a homeowners policy, including pipe breaks, theft and liability. In this situation we would also secure an option for a Fair Plan companion policy, which is a policy from another insurance carrier that picks up the coverages that Fair Plan excludes. These two policies function the same way a regular homeowners insurance would, but you have two policies instead of one.

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For more information about our firm and the services we offer, send us a quick email or call our office. We welcome the opportunity to speak with you. | 866-781-2378