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A California Fair Plan (CFP) policy can cover damage from Fire, Lightning, Internal Explosion, Smoke, Wind, Hail, Riot, Vandalism, Malicious Mischief, Aircraft, and Vehicles. We highly recommend pairing the CFP policy with a Difference In Conditions (DIC aka Wrap-Around) policy. The DIC policy covers items that the CFP doesn’t such as water damage (the #1 reason for home insurance claims), liability (someone gets hurt at your property), and theft. The 2 policies combined mimic a traditional home insurance policy. A CFP policy will satisfy lender requirements. Learn about the 2021 updates to the CFP.