Hello Dear Homeowner. We are glad to inform you that we are a California Fair Plan Broker. California Fair Plan provides for the Peril of Fire , Wind, Vandalism. Please not no coverage is bound by requesting a quote. We will automatically quote a “difference in conditions policy when possible as a service to you.” If you need a quote for the perils of Flood and/or Earthquake please complete the appropriate form or leave us a message. Call 209 223-1870 for assistance.