CA Fair Plan Insurance Yuba, Butte, Nevada, County

Yuba County High Fire Insurance



The CA FAIR Plan stands as a collaborative insurance pool that includes all licensed insurers operating in California. Its purpose is to offer a viable insurance option for homeowners, renters, and businesses facing difficulties in obtaining coverage through conventional channels. This program acts as a last resort for individuals residing in high-risk areas prone to wildfires or earthquakes.


Yuba Firesafe Council:

CA Fair Plan Wild Fire Hardening Discounts:

Be Prepared Yuba:


Established in 1968 to address the increasing need for insurance coverage in high-risk zones, the California Fair Plan provides essential property insurance coverage, encompassing protection against fire, theft, and liability. While the Fair Plan's coverage may be more limited and sometimes costlier than traditional insurance, it serves as a crucial safety net for those who might otherwise be left without insurance protection.

The Fair Plan is accessible to all residents of California, regardless of income or location. Administered by the California FAIR Plan Association, a non-profit organization operating under the supervision of the California Department of Insurance, this program ensures broad accessibility.

While the Fair Plan is instrumental for those in high-risk areas, it is essential to recognize that it does not substitute traditional insurance. Homeowners and renters who can secure coverage through conventional insurance companies are encouraged to do so.

For Yuba County residents exploring coverage through the Fair Plan, carefully review the coverage options and costs on the Fair Plan website. This comprehensive resource outlines program details, eligibility requirements, and frequently asked questions.


The FAIR Plan Dwelling Fire Policy operates as a named peril policy, offering coverage exclusively for damages caused by specific listed causes in the policy. These include:

  • Fire or lightning
  • Internal Explosion
  • Smoke
  • Extended Coverage (windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, and volcanic eruption)
  • Vandalism or Malicious Mischief

However, it's crucial to note that the FAIR Plan Dwelling Fire Policy does not cover common causes like theft, water damage, and liability. To address these gaps, a Difference in Conditions (DIC) policy, sometimes called a companion policy, can be combined to mimic a standard homeowners policy.

If you're ready to proceed with a FAIR Plan application in Yuba County, follow these steps for a final quote and approved application. The Fair Plan requires photos taken within a week of quote submission, showcasing the property's front with the address number and a time and date stamp.

Upon submitting the approval request, expect a 48-72 hour turnaround time. Once approved, a 40% down payment of the premium is required before binding the policy, effective the following day.

For Yuba County residents, Oakview Insurance Services, Inc., headquartered in Yuba City CA, specializes in providing comprehensive CA Fair Plan quotes. We focus on serving local counties, including Yuba County, Butte County, and Nevada County. Given the recent surge in wildfires, we understand the increasing need for reliable insurance coverage in our community.

CA Fair Plan Insurance

High Fire Insurance * always get a DIC policy to accompany your CA FAIR PLAN policy.

Specializing and serving the high fire areas of Yuba County, Butte County, and Nevada County.

CALL TODAY: (530) 674-5054

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