Wrap-Around Plan

Extend your FAIR Plan fire insurance with a Wrap Around Plan, adding crucial coverages like liability, theft, and water damage. This plan fills coverage gaps, ensuring your home has broader, more comprehensive protection.

Wrap-Around Policy – Supplementing Limited Coverage

A wrap-around insurance policy is essential for homeowners with California Fair Plan coverage, as it fills in the gaps that these basic policies leave behind.

We tailor wrap policies to ensure homeowners have protection for liability, theft, water damage, and personal property, offering peace of mind beyond standard fire-only coverage.

What's In Wrap Around Policy

California Fair Plan Wrap Policy

A California Fair Plan wrap policy complements the state’s fire insurance program by adding essential protections such as liability, personal property, and additional living expenses.

Features:

  • Covers additional risks like theft, water damage, and liability.
  • Protects personal belongings and provides loss-of-use coverage.
  • Designed for homes in high-risk areas lacking full insurance options.

Fair Plan Supplemental Coverage

Fair Plan supplemental coverage enhances the limited protection of a California Fair Plan policy by covering risks like liability, theft, and water damage.

Features:

  • Expands coverage to include liability, personal property, and additional risks.
  • Works alongside California Fair Plan policies for broader protection.
  • Helps homeowners meet lender insurance requirements.

The care & protection you deserve

Experience the peace of mind you deserve with our comprehensive insurance solutions, designed to protect you every step of the way.

Liability Insurance for Homeowners

Liability insurance protects homeowners from financial loss due to accidents or injuries occurring on their property. It covers legal expenses and medical costs, providing essential security against lawsuits and unexpected claims.

High-Risk Home Coverage

High-risk home coverage is designed for properties in wildfire-prone or disaster-prone regions where traditional insurers may decline coverage. These policies offer essential protection for structural damage, personal belongings, and liability, ensuring homeowners remain financially secure.