CA FAIR Plan

For homes in known wildfire zones.

California Fair Plan (CFP) is known as the “insurer of last resort” when an owner, through no fault of their own, cannot find an insurance company to write their policy.  It is an important safety net for property owners who live in areas with a high risk of wildfire and is funded by all insurance companies who are conducting property business in California.

A CFP policy can provide basic fire insurance coverage, as well as personal property coverage. As an appointed broker, HIA can assist in obtaining not only a policy with CFP, but also an additional “wrap around” or difference in conditions (DIC) policy to supplement what the CFP plan provides. Coverage gaps that may exist in a CFP policy can include liability, theft, property damage, weight of ice, snow or sleet, and water damage due to pipe breakage. We want to make sure you are covered for those items as well!

If you find yourself in need of a CA Fair Plan policy – call us first.  This is a very detailed policy and one that should only be written by a licensed agent who has thoroughly explained what is covered and what is not!

Impacted by the fires in California?

Kyla Mamou​

Kyla is in the insurance business because she believes in the power of providing peace of mind and financial security to individuals and families.With a passion for helping others navigate complex situations, Kyla works with clients to secure their auto, home, or umbrella policies. The insurance industry for her to combine her skills in problem-solving, communication, and customer care, all while contributing to the greater good of her community.

Kyla brings a strong background in the insurance industry with over seven years of experience working with leading companies, building a deep understanding of the industry, and a commitment to providing exceptional service and personalized solutions to each client she works with.

When not in the office, Kyla loves spending quality time with family. Whether it’s making memories with her kids through fun activities or simply enjoying each other’s company, family is a top priority. She also enjoys reading books to relax and explore new ideas and perspectives. Traveling is another passion of Kyla’s, as it provides opportunities to discover new places, experience different cultures, and create lasting memories with loved ones. These activities help her recharge and stay inspired both personally and professionally.