WildfireList

California FAIR Plan

Get the FAIR Plan Wildfire Discounts You Deserve

The California FAIR Plan offers discounts on the wildfire portion of your premium for specific mitigation work on your home, its immediate surroundings and your community. The discounts are not applied automatically. A licensed broker has to request them on your policy.

Mitigation work may qualify you for a discount on the wildfire portion of your policy. The CA FAIR Plan schedule caps at 16.4% off the wildfire portion of a Dwelling Fire policy for all 12 measures combined, and your own carrier sets the actual number.

How to Get Your Discounts

  1. 1

    Catalog the Mitigation Steps for Your Home

    Check off each measure, and we'll fill in the FAIR Plan's own discount form for you to sign.

    Start Your Free Discount Checklist
  2. 2

    Connect With a Broker to Handle the Discount Paperwork

    Name Five Bays as your Broker of Record, or ask the broker you already have. You can use our guides to show them the work you've done.

    Request Discount Help from Five Bays

    Free when you name Five Bays your Broker of Record.

    WildfireList and Five Bays Insurance Agency are both owned by AACI Group. Five Bays Insurance Agency is a licensed California insurance agency, California Department of Insurance license 6016871. There's no fee to you. Like all brokers, Five Bays is paid by commission that's already part of your premium: the FAIR Plan pays Five Bays while it is your Broker of Record, and if you choose new coverage, that carrier pays Five Bays. Using WildfireList does not require you to use Five Bays, and naming Five Bays as your broker does not guarantee any discount, coverage, pricing or eligibility. Only the California FAIR Plan decides whether a discount applies. WildfireList does not submit requests to the FAIR Plan. Five Bays Insurance Agency and WildfireList are not affiliated with, endorsed by, or acting on behalf of the California FAIR Plan Association.

  3. 3

    Your Broker Submits the Discount Request

    Your broker sends the signed form to the FAIR Plan. The FAIR Plan may inspect your property, and discounts usually show up on your next policy period.

What Qualifies

Your Structure

  • Class A fire-rated roofMay qualify you for a discount.Read the guide
  • Enclosed eavesMay qualify you for a discount.Read the guide
  • Ember- and fire-resistant ventsMay qualify you for a discount.Read the guide
  • Multi-pane windows or functional shuttersMay qualify you for a discount.Read the guide
  • Noncombustible material on the bottom 6 inches of exterior wallsMay qualify you for a discount.Read the guide

Your Immediate Surroundings

  • Vegetation and debris cleared from under decksMay qualify you for a discount.
  • Vegetation, debris, mulch and combustibles cleared within 5 feet of the homeMay qualify you for a discount.Read the guide
  • Only noncombustible materials within 5 feet, including fences and gatesMay qualify you for a discount.Read the guide
  • Combustible sheds and outbuildings more than 30 feet from the homeMay qualify you for a discount.Read the guide
  • Defensible space that meets state and local rulesMay qualify you for a discount.Read the guide

A completion discount when all ten of the above are in place. This may qualify you for a discount.

Your Community

  • A Firewise USA site in good standingMay qualify you for a discount.Read the guide
  • A Board of Forestry Fire Risk Reduction CommunityMay qualify you for a discount.Read the guide

Why You Need a Broker

The FAIR Plan handles policy changes through the broker of record on your policy, so discount requests go through your broker. You can't apply for them on your own, and WildfireList can't submit them for you.

How Five Bays Can Help

  • Five Bays Insurance Agency, a licensed California insurance agency, can become the broker on your FAIR Plan policy. A licensed Five Bays broker can then review which discounts your home may qualify for and request them from the FAIR Plan for you.
  • You make it official by signing one page, the FAIR Plan's own Broker of Record Change Request form. A licensed Five Bays broker signs it too and submits it for you.
  • It doesn't change your coverage or your premium, and you never have to change insurance companies. You can change brokers anytime by signing a new Broker of Record form.
  • The FAIR Plan may inspect your property to confirm the work. Discounts usually show up on your next policy period.