{
  "$schema": "https://bestinsuranceresearch.com/llms-full.txt",
  "recordType": "source",
  "id": "cfp-dwelling-policy",
  "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy",
  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Dwelling - The California FAIR Plan (policy category listing)",
  "publisher": "California FAIR Plan Association",
  "url": "https://www.cfpnet.com/policies/dwelling/",
  "officialHost": true,
  "sourceType": "official-documentation",
  "authorityLevel": "carrier-official",
  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "changes with FAIR Plan form and program filings",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "cfp-dwelling-policy#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c1",
      "checksum": "2bd69e9ff4bc",
      "text": "The California FAIR Plan Dwelling Fire Policy is a named peril policy, which provides coverage only for damage caused by the specific causes of loss listed in the policy."
    },
    {
      "claimId": "cfp-dwelling-policy#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c2",
      "checksum": "806b9f764fbb",
      "text": "The causes of loss shown on the page are fire and lightning, internal explosion, and smoke."
    },
    {
      "claimId": "cfp-dwelling-policy#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c3",
      "checksum": "5ff87a771922",
      "text": "Optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief."
    },
    {
      "claimId": "cfp-dwelling-policy#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c4",
      "checksum": "e49d93b79446",
      "text": "The FAIR Plan suggests that for more complete property coverage the reader consider purchasing Difference in Conditions, Flood, or Earthquake policies to supplement a California FAIR Plan policy by covering additional perils."
    },
    {
      "claimId": "cfp-dwelling-policy#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c5",
      "checksum": "7a0e18c13dd3",
      "text": "The page states that the California FAIR Plan Dwelling Fire Policy is a named peril policy, which provides coverage only for damage caused by the specific causes of loss listed in the policy."
    },
    {
      "claimId": "cfp-dwelling-policy#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c6",
      "checksum": "e22cef432633",
      "text": "The page lists Fire and Lightning, Internal Explosion, and Smoke as the covered perils shown."
    },
    {
      "claimId": "cfp-dwelling-policy#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c7",
      "checksum": "1ff39108491c",
      "text": "The page states that optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief."
    },
    {
      "claimId": "cfp-dwelling-policy#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c8",
      "checksum": "15d16086cbad",
      "text": "The page advises considering Difference in Conditions, Flood, or Earthquake policies to supplement a California FAIR Plan policy by covering additional perils."
    },
    {
      "claimId": "cfp-dwelling-policy#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c9",
      "checksum": "43e2f2b785cc",
      "text": "The page describes the California FAIR Plan as an insurer of last resort, established by statute to provide basic property insurance to Californians statewide when no other option is reasonably available, and describes the dwelling policy as a temporary solution."
    },
    {
      "claimId": "cfp-dwelling-policy#c10",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c10",
      "checksum": "6f8bb3ea732b",
      "text": "The California FAIR Plan's dwelling page lists a category labeled \"Owner-Occupied\", described as \"1-4 unit dwellings in which the owner lives in one or more unit.\""
    },
    {
      "claimId": "cfp-dwelling-policy#c11",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c11",
      "checksum": "9538865ab710",
      "text": "The same page lists a category labeled \"Rentals\", described as \"1-4 unit dwellings that are rented to a tenant for at least one year.\""
    },
    {
      "claimId": "cfp-dwelling-policy#c12",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c12",
      "checksum": "f9e83e6bf240",
      "text": "The same page lists a category labeled \"Seasonal Rental\", described as \"Dwellings that are rented (in whole or part) for less than one year.\""
    },
    {
      "claimId": "cfp-dwelling-policy#c13",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c13",
      "checksum": "7eb1c6aef85a",
      "text": "The same page lists a category labeled \"Condominium Unit Owners\", described as \"Personal property and improvements coverage for a condominium unit owner\", separate from its owner-occupied and rental dwelling categories."
    },
    {
      "claimId": "cfp-dwelling-policy#c14",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c14",
      "checksum": "39540f9dd5ef",
      "text": "The same page lists a category labeled \"Renters\", described as \"Personal property coverage for the tenant of an apartment or single/multi-unit dwelling.\""
    },
    {
      "claimId": "cfp-dwelling-policy#c15",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c15",
      "checksum": "d1c4115c62cd",
      "text": "The California FAIR Plan Dwelling page lists covered perils including Fire and Lightning, Internal Explosion, and Smoke."
    },
    {
      "claimId": "cfp-dwelling-policy#c16",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c16",
      "checksum": "48ec28bc1fc5",
      "text": "The California FAIR Plan Dwelling page states that optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief."
    },
    {
      "claimId": "cfp-dwelling-policy#c17",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c17",
      "checksum": "fc019aa2cf96",
      "text": "The California FAIR Plan Dwelling page states that for more complete property coverage the reader should consider purchasing Difference in Conditions, Flood, or Earthquake policies to supplement a California FAIR Plan policy."
    },
    {
      "claimId": "cfp-dwelling-policy#c18",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c18",
      "checksum": "8263e84091e0",
      "text": "The California FAIR Plan Dwelling page states that if you are unable to purchase coverage with a traditional insurance company, the California FAIR Plan offers a temporary solution for the occupancy types it lists."
    },
    {
      "claimId": "cfp-dwelling-policy#c19",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-policy#c19",
      "checksum": "8816869eba41",
      "text": "The California FAIR Plan Dwelling page does not list liability, theft, or water damage among the covered perils, and states no maximum dwelling limit."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "When does a landlord need a landlord policy instead of homeowners coverage?",
      "url": "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners"
    },
    {
      "kind": "Coverage",
      "title": "Homeowners insurance",
      "url": "https://bestinsuranceresearch.com/insurance/homeowners"
    },
    {
      "kind": "Coverage",
      "title": "Landlord / rental dwelling insurance",
      "url": "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling"
    },
    {
      "kind": "Coverage",
      "title": "Residential earthquake insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/residential-earthquake-california"
    },
    {
      "kind": "State",
      "title": "California",
      "url": "https://bestinsuranceresearch.com/states/california"
    },
    {
      "kind": "Example",
      "title": "Reading the California FAIR Plan's own dwelling policy page to see which perils it lists and what it tells applicants to buy separately",
      "url": "https://bestinsuranceresearch.com/examples/fair-plan-named-peril-gaps"
    }
  ],
  "reliedOnByCount": 6,
  "citation": {
    "text": "California FAIR Plan Association. \"Dwelling - The California FAIR Plan (policy category listing).\" unknown. https://www.cfpnet.com/policies/dwelling/ (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record cfp-dwelling-policy, content version 2026.08.31. https://bestinsuranceresearch.com/sources/cfp-dwelling-policy",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}