Can't Find Homeowners 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.
Fire
Insurance
Can’t get fire coverage through traditional carriers? We’ll help you secure reliable protection through the California FAIR Plan.
Home Insurance
Whether you own or rent, we make it easy to get the home insurance you need—fast, simple, and tailored for you.
Earthquake Insurance
Get peace of mind with earthquake protection through the California Earthquake Authority, backed by expert guidance from our team.
Commercial Insurance
Shield your business real estate from fire, theft, vandalism, and natural disasters. Whether it’s an office, warehouse, or retail space, this coverage protects the physical foundation of your operations.
Difference in Conditions (DIC)
Flexible protection for residential and commercial properties where standard policies leave gaps. DIC offers tailored coverage for unique risks, helping homeowners and business owners stay secure and compliant.
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.
The California FAIR Plan Covers:
fire
Lightning
smoke
EXPLOSION
Three Paths to Protection
California
FAIR Plan
The California FAIR Plan provides basic fire insurance and is best suited for high-risk properties that may not qualify for traditional coverage.
Full
Homeowners
On the other hand, a Full Homeowners Policy offers comprehensive coverage, including protection against fire, theft, liability, water damage, and more.
DIC
Policy
Flexible coverage for homes & businesses, bridging gaps in standard policies with tailored protection for unique risks—keeping owners secure and compliant.
Global Guard Insurance
- Serving homeowners, landlords, and commercial property owners
- Deep expertise in high-risk zones and market access
- Committed to transparency, speed, and support
Global Guard Insurance is a licensed insurance agent helping Californians navigate wildfire risk and market limitations. We specialize in FAIR Plan placement and alternative coverage solutions.
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.
Why Choose Global Guard Insurance?
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 —
With Global Guard Insurance, you get:
Which means you may qualify for a full homeowners policy with broader protection.
- FAIR Plan fire insurance when needed
- Access to traditional carriers for full coverage
- Expert guidance from licensed agent
- Help navigating supplemental options like flood, liability, and earthquake insurance