If you’ve been told your homeowners insurance has been non-renewed, your property is in a high wildfire risk area, or you’ve been declined by multiple insurance companies, you’re not alone. Many homeowners in Corona, California, are turning to the California FAIR Plan as a way to protect their homes.
At Starwest Insurance Services, we specialize in helping homeowners throughout Riverside County navigate the California FAIR Plan and find the additional coverage they need to fully protect their property.
What Is the California FAIR Plan?
The California FAIR (Fair Access to Insurance Requirements) Plan is an insurance program created to provide basic property insurance for homeowners who cannot obtain coverage through the traditional insurance market.
Many homeowners are referred to the FAIR Plan because of:
- High wildfire exposure
- Brush hazards
- Multiple insurance claims
- Older homes
- Rural locations
- Insurance company non-renewals
- Limited carrier availability
The FAIR Plan helps eligible homeowners obtain property insurance when standard coverage isn’t available.
Why Corona Homeowners Need the FAIR Plan
Certain neighborhoods in and around Corona are located near:
- Cleveland National Forest
- Foothill communities
- Open space and canyons
- Wildland-Urban Interface (WUI) zones
These areas often experience increased wildfire risk, making it more difficult to qualify for traditional homeowners insurance.
If you’ve received a non-renewal notice, don’t panic. There are still options.
Does the FAIR Plan Cover Everything?
No.
This is one of the biggest misconceptions homeowners have.
The California FAIR Plan primarily provides protection against specific property perils, including:
- Fire
- Lightning
- Smoke
- Internal explosion
However, it does not provide the broad homeowners coverage found in a standard HO-3 policy.
Why You Need a Difference in Conditions (DIC) Policy
To properly protect your home, most FAIR Plan homeowners also purchase a Difference in Conditions (DIC) policy.
A DIC policy can provide important coverages that the FAIR Plan generally does not include, such as:
- Water damage from burst pipes (subject to policy terms)
- Personal liability
- Medical payments to others
- Theft (depending on the DIC policy)
- Personal property coverage
- Loss of use (additional living expenses)
- Other covered perils available under the DIC policy
Together, the FAIR Plan and DIC policy create a much more complete insurance solution.
Can You Switch Back to a Standard Homeowners Policy?
Yes.
Many homeowners view the FAIR Plan as a temporary solution.
If conditions improve, such as:
- Wildfire mitigation completed
- New roof installed
- Brush clearance performed
- Carrier underwriting expands
- Additional insurance companies enter the market
you may once again qualify for a traditional homeowners insurance policy.
We regularly review our clients’ policies to determine when better options become available.
Why Work With a FAIR Plan Specialist?
The FAIR Plan application process can be confusing.
An experienced insurance agency can help you:
- Determine if the FAIR Plan is necessary
- Compare available DIC options
- Explain coverage differences
- Coordinate mortgage requirements
- Make sure your home is properly insured
- Review opportunities to return to a traditional homeowners policy
Why Corona Homeowners Choose Starwest Insurance
Since 1995, Starwest Insurance Services has helped thousands of California homeowners protect their homes.
We make the process simple.
✔ California FAIR Plan specialists
✔ DIC policy experts
✔ Multiple insurance companies
✔ Local California agency
✔ No broker fees
✔ Friendly, experienced agents
✔ Phone, text, email, or office visits
Talk to Real People. Get Real Answers.
We Serve Corona and All of Riverside County
We proudly help homeowners in:
- Corona
- Eastvale
- Norco
- Riverside
- Lake Elsinore
- Temescal Valley
- Jurupa Valley
- Moreno Valley
- Murrieta
- Menifee
- All of Southern California
Frequently Asked Questions
How much does the California FAIR Plan cost?
Premiums vary depending on your home’s value, location, wildfire risk, construction type, and coverage limits.
Can I finance my FAIR Plan policy?
Many homeowners choose installment payment options, depending on eligibility and the policy.
Does the FAIR Plan include liability coverage?
No. Liability protection is typically added through a companion DIC policy.
Can my mortgage company accept the FAIR Plan?
Yes. Most lenders accept the FAIR Plan when it is paired with the appropriate companion policy that satisfies the lender’s insurance requirements.
Request Your Free FAIR Plan Review
If you’ve received a non-renewal notice or have been declined by multiple insurance companies, don’t wait until your policy expires.
Our experienced team will review your situation, explain your options, and help you build the right insurance package for your home.
Call, text, email, or visit Starwest Insurance Services today for a free California FAIR Plan consultation.
Contact Starwest Insurance Services
📍 13752 Goldenwest Street
Westminster, CA 92683
📞 Office: (714) 893-7271
📱 Text/Cell: (714) 231-0897
📠 Fax: (714) 893-7311
📧 Email: jb@starwestinsurance.com
🌐 Website: https://www.starwestinsurance.com