No. The California FAIR Plan mainly covers fire, lightning, smoke, and internal explosion. It does not cover flood.
The FAIR Plan is the state’s insurer of last resort for homeowners who can’t find coverage in the private market. Because it’s a limited policy, most FAIR Plan customers add a Difference in Conditions (DIC) policy for liability, theft, and water damage. Most DIC policies don’t cover flood either, so flood needs its own policy.
You can buy flood coverage through the NFIP or a private flood insurer no matter who writes your fire coverage. Because NFIP policies usually have a 30-day waiting period, buy it well before the rainy season.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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