If carrier after carrier has non-renewed your home because of wildfire exposure, the California FAIR Plan is the market of last resort — and Surequest can place it. We also add the wrap-around policy most homeowners do not realize they still need.
The FAIR Plan is a basic dwelling fire policy: fire, lightning, internal explosion, smoke and, with an endorsement, extended perils. It does not include personal liability, theft, water damage or most of what a standard homeowners policy bundles in. Buying it alone leaves large gaps that surprise homeowners at claim time.
We pair the FAIR Plan with a DIC (difference-in-conditions) policy from a private carrier that adds liability, theft, water damage and loss of use. Together the two policies approximate the coverage of a standard HO-3. Managing both renewals, and keeping the dwelling limits aligned between them, is exactly the kind of work an independent agency handles for you.
FAIR Plan placement should be temporary. Home-hardening steps — ember-resistant vents, Class A roofing, five feet of noncombustible defensible space and cleared vegetation — plus a Firewise community designation can bring admitted carriers back to the table. We re-shop your home each year rather than letting it sit on the FAIR Plan indefinitely.