The California FAIR Plan (Fair Access to Insurance Requirements) is a last-resort insurance option for properties that are considered too high-risk for standard insurance markets—often due to wildfire exposure, location, or construction type.

It provides basic fire-related coverage for your dwelling, but it lacks many of the protections of a full homeowners policy. That’s where a Wrap Policy comes in.

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🧥 What is Wrap Coverage?

A Wrap policy fills in the gaps left by the FAIR Plan. While the FAIR Plan covers named perils like fire and smoke, the wrap adds:

• Liability coverage

• Water damage (e.g. burst pipes)

• Theft & vandalism

• Loss of use (temporary housing if your home becomes unlivable)

• Personal property

• Medical payments to others

Together, the two policies replicate what a traditional homeowners policy would offer—ensuring you’re not underinsured simply because of your ZIP code.

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🧯Who Needs FAIR Plan + Wrap Coverage?

• Homes in brush or wildfire zones

• Properties with older roofs or outdated wiring

• Homes located near open space, hillsides, or canyons

• Customers declined or non-renewed by standard carriers

• Homeowners seeking to maintain mortgage compliance in hard-to-insure areas

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💸 What It Costs

FAIR Plan pricing is regulated, but total cost depends on:

• Dwelling coverage limit

• Location risk factor (brush scoring, distance to fire hydrant/station)

• Age, construction, and roofing of the home

• Chosen limits and endorsements on the wrap policy

We work with both admitted and surplus lines carriers to find the most competitive—and most complete—solution available.

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🔍 How We Help

As brokers, we don’t work for the insurance companies—we work for you. That means:

✅ We review your property’s eligibility for standard markets first
✅ If needed, we quote both the FAIR Plan and several wrap options
✅ We break down the dual-policy structure in plain terms
✅ We advise on limits, optional endorsements, and wildfire mitigation
✅ We make renewals easy—and shop the market every year

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🙋 FAQ

Can I get FAIR Plan coverage without a wrap?
Yes, but it’s not recommended. On its own, FAIR Plan coverage doesn’t include liability, water damage, theft, or loss of use—meaning you could be severely underinsured.

Can I finance both policies through escrow?
Yes. Most mortgage lenders will accept this structure and allow both policies to be paid through your escrow account.

What can I do to lower my risk score?
Wildfire mitigation goes a long way. Clearing brush, installing ember-resistant vents, using fire-rated roofing, and creating defensible space all help. We’ll guide you through what your insurer looks for.

Is this a long-term solution?
It can be, but we revisit your account annually. If the market shifts or your home becomes eligible for standard coverage again, we’ll make the transition easy.

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📞 Get Fire Protection That Fits

Don’t settle for half coverage. We’ll help you build a complete homeowners insurance solution—even when others say no.

Call: 805-328-5001
Email: chris@aecinsuranceservices.com