Welcome to CALIFORNIA FAIR PLAN FIRE INSURANCE POLICY
Need a Quote or Policy? Call Tel: (949) 617-7100
We are a California Fair Plan Producer. We offer California Fair plan insurance quotes by providing our clients the quotes and applications to start their policies
California Fair Plan DOES NOT directly write policies for consumers. Instead it relies on experienced and licensed producers, such as us, to complete applications, inform clients of coverage, and do all the customer service.
Per California Fair Plan rules and guidelines, producers are not allowed to charge any broker fee or any hidden fees to consumers. Payments are directly made to California Fair Plan.
We also provide Wrap Policy for California
Fair Plan policies.
With permission by California
Fair Plan we can submit applications on behalf of our clients to
Fair Plan underwriting. Once the BUY FAIR PLAN POLICES has activated, we
will be able to search for possible Wrap Around policy. Wrap around
policies are also referred to as Difference in Condition policies or
DIC.
About California Fair Plan
The California Fair Plan Association is the Federal government answer to people who could not get reliable insurance in normal circumstances.
Either by close proximity to brush, or by other reasons, many people lose their insurance policies on daily basis.
Fair Plan offers fire insurance to homeowners and property owners to legally ensure that some form of home insurance would be available to homes categorized as being "high risk."
The California Fair Plan may be the only option for many property owners unable to secure fire insurance.
The fire coverage is available to all California property owners, if basic underwriting rules amd guidelines are met.
The FAIR Plan issues insurance as a last option, and should be used only after a diligent effort to obtain coverage in the voluntary market has been made. It is not recommeded that property owners simply acquire fair plan to save on their property insurance, when the have the option to acquire insurance through another insurance company.
Instead of calling a dozen insurance companies, we check for your property location and information. We compare that to a zozen top insurance companies and provide you with wrap policy if needed.
and if your property qualifirs for regular homeowner insurance, we will provide you with a quote.
California Fair Plan recommends that policy holders shop for regular
insurance at least once a year.
The FAIR Plan insures both
residential and commercial properties located in brush and wildfire
areas.
California's version of the FAIR Plan is designed to cover you or your business if it is in an area where homes are at a high risk of being damaged or destroyed. If you live in a firestorm or earthquake zone, you often have the greatest need for FAIR Plan insurance. However, any area of California is eligible for FAIR Plan insurance.
Management
Your insurance through California Fair Plan is administered by a private organization that is made up of association of all property insurance companies in California.
Those companies, by law, have to provide basic fire insurance to clients, if the clients and properties meet minimum requirements.
Businesses
Before client seek BUY FAIR PLAN POLICES, they must try to find regular insurance policies through available companies in California.
Only if not successful, then they may ask for a quote through California Fair Plan.
Coverage
The California Fair Plan coverage is limited to fire, lightening, It does not cover liability, nor theft.
However, the replacement cost can be added as an option.
Premium
In most cases, California BUY FAIR PLAN POLICES is a fraction of regular homeowner insurance. This is due to the limited coverage that it provides. Therefore, a lower premium should not be the reason to choose BUY FAIR PLAN POLICES.