Still on the California FAIR Plan? You May Not Need to Be.

The FAIR Plan May Leave Important Gaps

The California FAIR Plan provides essential protection, but basic coverage is more limited than a comprehensive homeowners policy.

You may not have the same protection for:

• Personal liability
• Theft
• Certain water-related losses
• Additional living expenses
• Other protections commonly included in standard homeowners coverage

If you need broader protection, E360 can help you explore traditional insurance and supplemental options.

Your Insurance Options May Have Changed

The California insurance market is constantly changing. Carrier availability, underwriting guidelines, property requirements, and pricing can change over time.

If you've been on the FAIR Plan for a while, there's only one way to know whether you still need it: re-shop your property against today's market.

Consider reviewing your options if:

• Your FAIR Plan premium has increased
• Your policy is up for renewal
• You've completed wildfire mitigation improvements
• Your property's circumstances have changed
• You haven't re-shopped your insurance recently

Explore My Insurance Options →

See If You Can Move to Broader Coverage

You don't have to assume the FAIR Plan is your only option.

E360 Insurance will review your property and search available carriers to determine whether a traditional homeowners' policy may now be an option.

We'll help you compare:

Current FAIR Plan
vs.
Available Traditional Coverage

So you can see the difference in protection, cost, deductibles, and coverage.

How E360 Insurance Helps

Re-Shop Your Coverage

We search the available market to see whether your property may now qualify for broader homeowners insurance.

Compare Your Options

We explain how available policies compare with your current FAIR Plan, including coverage, cost, deductibles, and important exclusions.

Fill Coverage Gaps

If traditional coverage isn't available yet, we can help you explore options such as DIC, flood, or earthquake insurance where appropriate.

Keep Reviewing Your Options

Not eligible today? That doesn't necessarily mean you'll need the FAIR Plan forever. As the market changes, we can help you re-check your options.

Why Choose E360 Insurance?

Free Review
Get your options reviewed with no cost and no obligation.

Market Shopping
We search available insurance options for your specific property.

Clear Comparisons
Understand what you're getting, what you're paying, and what may be missing.

Ongoing Guidance
If you can't move off the FAIR Plan today, we can help you revisit your options as the market changes.

You May Have More Options Than You Think

Being on the FAIR Plan today doesn't mean you have to stay there forever.

Let E360 Insurance check the current market for your property and find out whether broader homeowners coverage is now available.