We thought we would be on the California FAIR Plan with terrible coverage forever. Your team got us off the FAIR Plan with much better protection at a lower cost. We finally sleep better at night.
California FAIR Plan Review
Best price. Best coverage. Beyond FAIR.
Western Gold will find you the best price and best coverage beyond the California FAIR Plan. Send us your FAIR Plan and any wrap or DIC policy, and a licensed agent will show you the best options available.
FAIR + wrap
full coverage review
All options
For your property
No pressure
you choose what's best
Send us your policy.
We'll compare FAIR Plan alternatives and follow up with your best options.
FAIR Plan review
We compare the fire policy plus any wrap or DIC coverage.
Private options
Admitted and specialty markets are reviewed when available.
Price checked
Moving off FAIR is not always cheaper, and we say so.
Coverage explained
We flag limits, exclusions, liability, water, theft, and gaps.
How it works
A clearer path out of FAIR Plan uncertainty.
The FAIR Plan can be a necessary safety net, but it is usually only one part of a complete insurance program. We review what you have, what may be newly available, and what each option gives up or improves.
1
Send your FAIR paperwork.
Share your FAIR Plan declarations page and any companion wrap or DIC policy.
2
We find the best matches.
A licensed agent will find the best options first, then specialty alternatives where appropriate.
3
You see the tradeoffs.
We compare the best price, coverage, carrier, and how that compairs with FAIR plans.
Why Western Gold
More than a quote.
The goal is to find the best available structure for your property, including the moments when your current setup is still the practical choice.
California FAIR Plan
We explain what the FAIR Plan covers, what companion policies may cover, and where the gaps can be.
Admitted vs. specialty
When options exist, we explain whether they are admitted or surplus-line and why that distinction matters.
Premium with perspective
If a private-market option costs more, we show what added coverage or tradeoff comes with that price.
FAIR Plan stories
Real clients. Better outcomes.
Folks we got off the California FAIR Plan with more coverage, lower premiums, and an agent they could actually reach.
I’ve never responded to a mailer before, but yours was different. Your team got me off the California FAIR Plan with much better coverage and saved me a ton of money.
I almost didn’t call, thinking it was too good to be true. Western Gold saved me over $10,000 a year and gave me 40% more coverage. My old agent said I’d never get off the California FAIR Plan — he was wrong.
Your agent answered live and gave me real choices. I now have full coverage for the first time in years at a much lower price.
I was stuck with high-risk, very expensive coverage for years. Western Gold got me full coverage at a much lower cost. I couldn’t be happier.
Have a California FAIR Plan?
Send the request now. We will review the policy, check available alternatives, and tell you whether a swap is worth considering.