California FAIR Plan and DIC
The California FAIR Plan is California’s insurer of last resort, created by state law and run by an association of insurers, providing basic fire coverage for property the standard market will not insure, most often homes in high fire risk brush, foothill, and mountain areas. If standard carriers have declined or non-renewed your home because of wildfire risk, you still have a path to coverage, and our team helps California homeowners obtain a California FAIR Plan policy and pair it with a difference-in-conditions (DIC) policy so the protection is as complete as possible.
What the California FAIR Plan is
The California FAIR Plan is California’s insurer of last resort for property the standard market will not cover, most often homes in high fire risk and brush or mountain areas. It is the fallback when the standard market is not available to you, not a first choice, and it exists so that a home can still be insured against fire when private carriers decline it.
A note on our role: the California FAIR Plan is an association of California-licensed property insurers, not a state agency, and Schneiderman Insurance Agency is not affiliated with or appointed by it. When we help you obtain a FAIR Plan policy, we act as your insurance broker and represent you, not the FAIR Plan.
What it covers, and what it leaves out
A FAIR Plan policy is focused on fire and a few related perils. It typically does not include personal liability, theft, water damage, and more. That gap is why most homeowners do not stop at a FAIR Plan policy alone.
Why we pair it with a DIC policy
A difference in conditions (DIC) policy is a wrap-around that adds back much of what the FAIR Plan leaves out, such as liability and other non-fire coverages. Together they get a high fire risk home much closer to a standard policy. Coverage is governed by the actual policy forms, so we walk you through the specifics.
Who this is for
California homeowners who have been non-renewed or declined, who live in a brush, foothill, or mountain area, or who were quoted a standard policy that excludes fire.
How we help
We are a California agency, and our team represents you, not the California FAIR Plan. We help you understand your options, prepare and submit the FAIR Plan application, structure the DIC wrap, explain what is and is not covered, review coverage as your situation changes, and advocate for you at claim time.
Already have a FAIR Plan policy? You can make payments, report claims, and check policy status directly with the California FAIR Plan at cfpnet.com, and our team stays available to help you through both.
Schneiderman Insurance Agency is a privately owned insurance agency with no affiliation to the California FAIR Plan and no role in running it; when our team helps you apply for FAIR Plan coverage, we act as your broker and represent you throughout that placement.
Talk to an advisor about your options, or use the button below to get a quote.
