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California FAIR Plan
The California FAIR Plan is last-resort basic fire coverage when a regular company will not write the property. The California Department of Insurance says shop the admitted market first, then apply through a licensed broker registered with the Plan, or call 800-339-4099. Hardening credits, if you get them, apply to the wildfire portion of that premium, not the whole bill. This is not Oregon’s FAIR Plan and not R327.
You are holding a FAIR Plan declarations page and, often, a separate Difference in Conditions quote. Those are two policies. One is residual fire. The other is the wrap people buy because the current FAIR form is still a limited fire policy.
This is an insurance satellite of /insurance/. It is not a second hub. The FAIR Plan’s own public site did not open from this session’s fetch. CDI’s consumer page did. Do not use a house-level hub graphic as a policy form.
Why it matters
People treat “FAIR Plan” as one national product. California’s association is a private residual market under CDI oversight. Oregon’s is a different association under DFR. Pasting a California credit schedule onto an Oregon bill, or treating residual fire as a homeowners policy, produces the wrong application and the wrong expectation. Safer from Wildfires is not Oregon law. IBHS does not replace adopted code, and it does not replace this policy.
How the documents split
| Object | What it is | What it is not |
|---|---|---|
| California FAIR Plan | Residual basic fire when the standard market will not write | A full homeowners form today |
| Safer from Wildfires | California insurance-credit rule (10 CCR 2644.9) | A building permit |
| IBHS Wildfire Prepared | A designation some carriers score | FAIR Plan membership |
| Oregon FAIR Plan | DFR last-resort market after two standard declines | This association |
| CWUIC / R327 | Adopted construction | A premium credit |
CDI states residential limits of 3 million dollars and commercial limits of 20 million dollars per location. Confirm current limits with the Plan. This page does not quote your premium.
The paths
1. Stay in the standard market if you can. CDI’s first sentence is shop. Hardening and a five-foot noncombustible band may change underwriting. They do not automatically move you off the Plan.
2. Apply to the California FAIR Plan. Licensed broker registered to sell it, or the Plan’s published number. CDI created the Plan by statute. Day-to-day operations are a private insurer association, not a taxpayer agency.
3. Ask what form you are buying. Current CDI language is a limited fire policy. Difference in Conditions is the wrap for water, liability, theft, and additional living expenses until a comprehensive FAIR residential option exists. CDI describes that comprehensive option as in progress. Confirm with the broker.
4. Hardening credit. CDI says residential policyholders can obtain a discount on the wildfire portion of FAIR Plan premium for hardening. This site does not print a percent. The measure list lives on insurance measures and on Safer from Wildfires. Class A is still an assembly. See covering versus assembly. Zone 0 is still hardscape. See Zone 0.
5. Construction still binds. A mapped California lot reads CWUIC. An Oregon lot reads R327 only where adopted.
What people mix up
- Treating FAIR Plan as homeowners.
- Quoting a blog percent as the CDI rule.
- Pasting California credits onto an Oregon DFR policy.
- Treating a credit worksheet as a building official’s stamp.
- Calling the Plan a state agency.
How to check
- Open the CDI FAIR Plan page.
- Count whether you actually shopped the admitted market.
- Read the declarations. Fire-only, or a wrap too.
- Ask the Plan which hardening schedule it is using. Do not take a percentage from this site.
- If the lot is Oregon, stop and read Oregon has a FAIR Plan.
Limits
This page does not sell a policy. It does not quote a discount. The FAIR Plan website did not open here. FireApproved is not CDI and not the AHJ. Limits and forms change. Confirm with the Plan.
Related records
Questions
Is the California FAIR Plan a homeowners policy?
Not as the current limited fire policy. CDI says the Plan provides residual coverage when you cannot obtain insurance through a regular company. A comprehensive residential option that would include water, liability, theft, and additional living expenses is described as in progress. Until that exists, CDI points people who want those coverages to a separate Difference in Conditions policy.
Do I get a set percent off for hardening?
This site does not quote a percentage. CDI says residential policyholders can obtain a discount on the wildfire portion of their FAIR Plan premium for hardening. Contact the FAIR Plan for the current schedule. Safer from Wildfires is the California credit framework admitted insurers must use. It is not a building permit.
Is this the same as Oregon’s FAIR Plan?
No. Oregon’s last-resort association is a different market with different qualification rules. DFR requires two standard-market declines. Do not paste California limits or credits onto an Oregon quote.
Does a FAIR Plan policy mean I skip CWUIC or R327?
No. Residual insurance is not adopted construction code. A California mapped lot still reads CWUIC. An Oregon lot reads R327 only where adopted.