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CA Premium Wrap

California Premium Wrap Program

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.

Program Highlights

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

Program Features

  • 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.