Webthe california fair plan offers limited coverage insurance to homeowners unable to qualify with conventional insurers. See what fair plan covers, how to qualify. Compare costs & get. Webcustomize your fair plan policy by buying the best coverage options they offer and you can afford. Get at least two quotes for buying a “difference in conditions” policy (dic). Webwhen anticipating a california fair plan inspection, homeowners should focus on several key areas to present their homes in optimal condition.