Frequently Asked Questions
Everything you need to know about fire insurance in California.
How quickly can I get fire insurance coverage?
FAIR Plan applications can be processed quickly, often within days. Private market fire coverage may take longer. Contact us as soon as possible to start the process.
Why do I need specialized fire insurance in California?
California’s increasing wildfire risk has led many standard insurers to non-renew policies in high-risk areas. Specialized fire coverage ensures you’re protected even when standard carriers won’t write your policy.
What is the California FAIR Plan?
The California FAIR Plan is the state’s insurer of last resort for fire coverage. If you can’t get coverage in the private market, the FAIR Plan provides basic fire insurance. We can help you apply and supplement it with a DIC policy.
What is a DIC (Difference in Conditions) policy?
A DIC policy supplements the FAIR Plan by adding coverage the FAIR Plan doesn’t provide — like theft, liability, water damage, and personal property. Together, FAIR Plan + DIC gives you comprehensive protection.
Still Have Questions?
The team at LA Fire Coverage Insurance is happy to help. Get a free quote or call us today.