For FAIR Plan Policyholders
Stop Settling for the FAIR Plan.
The FAIR Plan was meant to be temporary—but without a plan, it becomes permanent. Cindera helps you harden your home, prove it to insurers, and work toward a full homeowners policy.
Paying more for less coverage?
Two bills—a FAIR Plan policy plus a separate wrap (DIC) policy—often totaling $4k–$10k+ per year
Fire-only coverage with gaps a single homeowners policy would handle
No clear answer for what your home needs to qualify with a regular carrier again
Calling more insurance agents gets the same answer, because the property itself hasn’t changed
Your exit path, step by step
Carriers declined your home because of how it scores in their wildfire models. Cindera changes the inputs—then documents everything insurers need to see.
Know exactly where you stand
Your Cindera Score shows how insurers see your home today and exactly which improvements move the needle.
A prioritized action plan
Ember-resistant vents, Zone 0 clearance, defensible space—sequenced by impact, with vetted local vendors when you need help.
Proof carriers accept
Timestamped, geo-tagged photo and video evidence of every completed action, packaged as insurer-ready documentation.
A route to real coverage
Once your home meets the standard, Cindera helps you pursue a full HO-3 homeowners policy and leave the FAIR Plan behind.
Need help with insurance now?
Tell us your situation and property address. Our team reviews your home and follows up in Messages with next steps—free for homeowners.
Get insurance helpHow Cindera works
Create your account
Get started free in under a minute—no score required to begin.
Add your home
Enter your address in the app to unlock your readiness score and plan.
Work your action plan
DIY or vetted vendors—upload photo proof as you go.
Unlock the payoffs
Grants, matching dollars, and better insurance options.
Frequently asked questions
Can I really get off the California FAIR Plan?
Many homes on the FAIR Plan are there because they don’t meet carrier wildfire standards—not because coverage is impossible. By completing verified hardening work and documenting it, your home can become eligible for consideration by voluntary-market carriers again. Results depend on your property, location, and the market.
How long does it take?
It depends on your home’s starting condition. Some homeowners complete the highest-impact actions in weeks; larger projects like roof work take longer. Your Cindera action plan shows the fastest path for your specific property.
I already hardened my home. Why am I still on the FAIR Plan?
Unverified work often doesn’t count. Carriers need documented, verifiable proof that improvements were done and are being maintained. Cindera turns the work you’ve already completed into evidence insurers can actually use.
What does Cindera cost?
Full access to Cindera is $200/year—your score, action plan, proof tools, grant matching, and vendor network. For some FAIR Plan households, the potential premium savings from moving to a single HO-3 policy can exceed that, though savings are not guaranteed and depend on your property, carrier, and the market.
See if your home can qualify for real coverage
Create a free account and get your personalized hardening plan in the app.