Oakview Insurance Services, Inc. is your local, licensed CA FAIR Plan agent headquartered right here in Yuba City, CA. Since 2010 we have helped homeowners, landlords, and property owners across Yuba, Butte, and Nevada Counties navigate the California FAIR Plan – from understanding your options to getting your policy bound quickly and correctly. With 19 licensed advisors and 784 verified 5-star Google reviews, we are one of the most experienced high fire insurance agencies in Northern California.
The CA FAIR Plan in the insurer of last resort. Oakview is fortunate to have several alterative carriers we can evaluate for coverage admitted, and non admitted. Our team will work with you to evaluate all options, and provide you the best advice based on your individual circumstances.
What Is the CA FAIR Plan?
The California FAIR Plan is a collaborative insurance pool established in 1968 to provide basic fire insurance to homeowners, renters, and businesses that cannot obtain coverage through conventional carriers. It is administered by the California FAIR Plan Association under the supervision of the California Department of Insurance, and it is available to all California residents regardless of income or location.
The FAIR Plan is not a substitute for traditional homeowners insurance – it is a named peril policy that covers fire, smoke, explosion, vandalism, and extended coverage perils only. It does not cover theft, water damage, or liability. That is why Oakview always pairs a FAIR Plan policy with a Difference in Conditions (DIC) companion policy to fill those gaps and create coverage that functions like a full homeowners policy.
Why Work With a Local CA FAIR Plan Agent?
The CA FAIR Plan is the insurer of last resort. Oakview is fortunate to work with several alternative carriers – both admitted and non-admitted – that we can evaluate before going that route. Our team will work through all available options with you and provide honest advice based on your individual circumstances, property, and budget.
The CA FAIR Plan application process has specific requirements that trip up homeowners who try to navigate it alone. Working with a licensed local agent means:
- Photos must be taken within one week of submission and include a time and date stamp – we walk you through exactly what is neededApproval turnaround is 48 to 72 hours once submitted correctly – errors cause delays
- A 40% down payment is required to bind the policy – we prepare you for this upfront
- A companion DIC policy should be bound at the same time – we handle both in one process
- Your specific address, fire protection class, and defensible space all affect your options – we know how to evaluate and present your property
As an independent broker with access to 30-plus A-rated carriers, we also check the standard market first. If a carrier is still writing in your area, we find them. The FAIR Plan is the path when the standard market is closed to you – not the default.
County-Specific High Fire Insurance Resources
The CA FAIR Plan landscape looks different in each county. Carrier availability, fire hazard severity zones, and local market conditions vary significantly between Yuba County, Butte County, and Nevada County. We have built dedicated resources for each area so you can get the information most relevant to your specific situation.
Yuba County High Fire Insurance
For Dobbins, Oregon House, Marysville, and surrounding communities.
Yuba County High Fire Insurance Guide
Butte County High Fire Insurance
For Chico, Paradise, Oroville, Magalia, and surrounding communities.
Butte County High Fire Insurance Guide
Nevada County High Fire Insurance
For Grass Valley, Nevada City, Penn Valley, and surrounding communities.
Contact Us About Nevada County Coverage
CA FAIR Plan Policy Breakdown
The FAIR Plan Dwelling Fire Policy is a named peril policy, covering specific causes of loss,
such as:
- Fire or lightning
- Internal explosion
- Smoke
- Extended Coverage (e.g., windstorm, hail, riot, aircraft, vehicles, volcanic eruption)
- Vandalism or malicious mischief
Note: This policy excludes theft, water damage, and liability coverage. To fill these gaps, consider adding a
Difference in Conditions (DIC) policy, which can complement your FAIR Plan policy.
Wildfire Impact and Rising Demand
Recent wildfires in Northern California have increased demand for the CA FAIR Plan. Key affected areas include:
- Caldor Fire: Lake Tahoe Basin/Grizzly Flats (2021)
- Dixie Fire: Greenville/Lake Almanor (2021)
- Camp Fire: Paradise, Chico (2018)
- Tubbs Fire: Santa Rosa, Napa, Sonoma (2017)
- And more…
CA FAIR Plan Wildfire Hardening Discounts
The CA FAIR Plan offers discounts for homeowners who have hardened their properties against wildfire. Improvements to your roof, vents, windows, and defensible space can reduce your premium and in some cases improve your eligibility as standard carriers begin re-entering the market. We can walk you through what qualifies and how to document your improvements properly.
Learn More About Wildfire Hardening Discounts
Ready to Get Started?
If you have received a non-renewal notice, are struggling to find coverage, or simply want to know what your options are, call us or start a quote online. We respond promptly, take time to understand your specific property and situation, and give you honest guidance – not a pressure sales pitch.
Phone: (530) 674-5054
Email: info@oakviewins.com
Address: 1670 Sierra Ave, Ste 303, Yuba City, CA 95993
Hours: Monday through Friday, 8:30am to 5:00pm
Disclosure: The California Fair Plan continues to evolve and change. Information above could change, we do our best to update our data in a timely maner. Always consult an agent for the most recent updates.