Can’t find fire insurance?
The FAIR Plan provides basic fire insurance coverage for high-risk properties when traditional insurance companies will not.
Guaranteed Coverage, Simplified
Our team will match you with the best available option—quickly, confidently, and with full transparency.
Our Policy
Fire
Can’t get fire coverage through traditional carriers? We’ll help you secure reliable protection through the California FAIR Plan.
Home
Whether you own or rent, we make it easy to get the home insurance you need—fast, simple, and tailored for you.
Earthquake
Get peace of mind with earthquake protection through the California Earthquake Authority, backed by expert guidance from our team.
What Is the California FAIR Plan?
The FAIR Plan provides essential fire coverage for homes and businesses that can’t secure insurance through the standard market. It’s a last-resort option, designed to protect Californians in wildfire-prone areas or other high-risk zones.
- Covers fire, lightning, smoke, and internal explosion
- Available for homes, condos, rentals, and commercial buildings
- Optional earthquake coverage via the California Earthquake Authority
Get a California FAIR Plan Quote — Plus Broader Coverage Options from Global Guard
We work directly with the California FAIR Plan and will handle your quote from start to finish. But we don’t stop there — at Global Guard, we also have access to traditional insurance markets, which means you might qualify for a full homeowners policy with more comprehensive protection.
Why Choose Global Guard?
We’re not limited to one solution. While we can help you secure FAIR Plan coverage, we also have access to a wide range of insurance markets — which means you may qualify for a full homeowners policy with broader protection.
With Global Guard, you get:
✅ FAIR Plan fire insurance when needed
✅ Access to traditional carriers for full coverage
✅ Expert guidance from licensed brokers
✅ Help navigating supplemental options like flood, liability, and earthquake insurance
Two Paths to Protection
There are two paths to protection for homeowners: the California FAIR Plan and a Full Homeowners Policy. The California FAIR Plan provides basic fire insurance and is best suited for high-risk properties that may not qualify for traditional coverage. On the other hand, a Full Homeowners Policy offers comprehensive coverage, including protection against fire, theft, liability, water damage, and more. This option is ideal for eligible homes located in lower-risk areas.
How it Works
Step 1: Submit Your Info
Use our online form to start your quote. We’ll assess your eligibility for both FAIR Plan and traditional coverage.
Step 2: Get Matched
We’ll process your FAIR Plan quote and simultaneously check for full policy options through our network.
Step 3: Choose Your Coverage
You’ll receive side-by-side options — FAIR Plan only, or FAIR Plan + supplemental coverage, or full homeowners insurance.
About Global Guard
Global Guard is a licensed insurance brokerage helping Californians navigate wildfire risk and market limitations. We specialize in FAIR Plan placement and alternative coverage solutions.
- Serving homeowners, landlords, and commercial property owners
- Deep expertise in high-risk zones and market access
- Committed to transparency, speed, and support
Save Time and Money No Matter What You’re Searching For.
LINKS
CONTACT
Tel.: (800) 750-9115
Mail : info@globalguardins.com