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Possibly. The California Fair Plan’s policy offers coverage from Fire, Lightning, Internal Explosion, Smoke, Wind, Hail, Riot, Vandalism, Malicious Mischief, Aircraft and Vehicles. It eliminates coverage for water damage, theft, falling objects, freezing pipes, liability, etc.
In order to qualify for a California Fair Plan policy, you must agree that you’ve exhausted all traditional insurance options and can’t find anyone to insure your property. If you can find a complete home insurance policy elsewhere, you are not a candidate for the California Fair Plan.