The California FAIR Plan policy excludes many common and important coverages that your clients need to fully protect their residential property. Burns & Wilcox has an exclusive Wrap product that provides the broadest coverage available for your FAIR Plan clients.

The Burns & Wilcox Premium Wrap is an HO5 policy that offers extended coverages including theft, wind, water damage, vandalism and comprehensive personal liability. The Premium Wrap also writes up to a $5M TIV limit, providing a higher level of protection and security for your clients.

The information provided is not all inclusive. Contact your local Burns & Wilcox Personal Insurance specialist for all the details.

• Minimum $500K coverage A
• Maximum $5M coverage TIV
• HO5 policy form
• Wildfire Defense Services included

• Personal Liability limits up to $1M
• Coverages include water damage, collapse, theft, burglary, falling objects and windstorm
• Protection Classes 9 & 10 locations eligible
• Extended Replacement Cost available
• Flexible occupancies available for primary, secondary, seasonal, rentals and short term rental locations
• Properties held in LLCs or Trusts
• Proof of CA FAIR Plan policy is not required as part of the Wrap policy issuance process
• No brush scoring needed

Learn more about the California Premium Wrap Program by clicking here to find your local office.