California property coverage requires current information.
A homeowners review should address the dwelling value, other structures, personal property, loss of use, water, ordinance or law, liability, medical payments, and important sublimits.
Additional policies or endorsements may be needed for earthquake, flood, valuables, home businesses, short-term rental, water backup, or personal umbrella protection.
When comprehensive property coverage cannot be obtained through the normal insurance market, the California FAIR Plan may provide basic fire coverage as an insurer of last resort. FAIR Plan placement requires a diligent search of the normal market, and supplemental coverage such as a Difference in Conditions (DIC) policy may be appropriate for additional perils.
Iron Mountain Insurance Agency represents the applicant/insured and does not represent the California FAIR Plan Association. Eligibility and coverage are subject to FAIR Plan rules and underwriting requirements.
Coverage considerations
- Dwelling replacement cost and valuation
- Other structures and personal property
- Loss of use and additional living expense
- Water, wildfire, ordinance, and special limits
- Personal liability and medical payments
- Earthquake, flood, valuables, and umbrella options
- California FAIR Plan eligibility and supplemental DIC coverage when applicable
Primary Homes
Protection structured around the dwelling and household.
Condominium Units
HO-6 coverage coordinated with the association master policy.
Rental Property
Landlord coverage for qualifying residential properties.
Umbrella Protection
Additional liability limits over eligible home and auto policies.
California FAIR Plan
Registered broker assistance for eligible California properties when coverage cannot be obtained through the normal insurance market.
Related coverage
Homeowners coverage should coordinate with auto, umbrella, valuables, flood, earthquake, and association requirements where applicable. When a FAIR Plan policy is used, a separate DIC policy may help provide broader protection for perils the FAIR Plan does not cover, subject to availability and policy terms.