10-02-2026, 06:20 PM
一般市場難買火險：了解 California FAIR Plan 的經紀申請途徑
如果無法從一般保險公司取得合適的基本火險，可向持牌經紀詢問 California FAIR Plan。這是最後選擇的財產保險途徑，並不代表每名申請者都獲批，亦不應直接當成完整的房屋綜合保障。
先請經紀比較其他公司的選擇，再核對建築物、財物、承保風險和限額。FAIR Plan 官方提醒，可考慮另購補充保障，例如 Difference in Conditions、洪水或地震保障；不要因為已有一張火險保單，便假設上述損失全受保。
並非所有經紀都已登記處理 FAIR Plan，可從官方頁的 Find a Broker 開始查找。已有保單的保障問題應先聯絡自己的經紀；官方一般聯絡電話為 800-339-4099，辦公時間週一至週五上午八時半至下午四時。網上申索通道可全天使用，但不代表電話客服也全天開放。
查閱日期：2026-10-02。原刊日期未能確認。官方資料：https://www.cfpnet.com/policies/
English
When fire coverage is hard to find: the California FAIR Plan broker route
If suitable basic fire coverage is unavailable from traditional insurers, ask a licensed broker about the California FAIR Plan. It is a property-insurance option of last resort, not an automatic approval or a complete homeowners package for every applicant.
Ask the broker to compare other insurers first and review the building, belongings, covered risks and limits. The FAIR Plan advises considering separate supplemental protection, such as Difference in Conditions, flood or earthquake coverage. Holding a fire policy does not mean all those losses are insured.
Not every broker is registered to work with the FAIR Plan. Start with Find a Broker on the official website. Existing policyholders should direct coverage questions to their broker. The published general contact number is 800-339-4099, with business hours Monday through Friday, eight thirty to four. Online claim reporting is available around the clock; that does not mean telephone customer service has the same hours.
Checked October 2, 2026. Original publication date not established. Official source: https://www.cfpnet.com/policies/
![[Image: housing.jpg]](https://inl3-media.pages.dev/assets/photos/housing.jpg)
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: California FAIR Plan
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
如果無法從一般保險公司取得合適的基本火險，可向持牌經紀詢問 California FAIR Plan。這是最後選擇的財產保險途徑，並不代表每名申請者都獲批，亦不應直接當成完整的房屋綜合保障。
先請經紀比較其他公司的選擇，再核對建築物、財物、承保風險和限額。FAIR Plan 官方提醒，可考慮另購補充保障，例如 Difference in Conditions、洪水或地震保障；不要因為已有一張火險保單，便假設上述損失全受保。
並非所有經紀都已登記處理 FAIR Plan，可從官方頁的 Find a Broker 開始查找。已有保單的保障問題應先聯絡自己的經紀；官方一般聯絡電話為 800-339-4099，辦公時間週一至週五上午八時半至下午四時。網上申索通道可全天使用，但不代表電話客服也全天開放。
查閱日期：2026-10-02。原刊日期未能確認。官方資料：https://www.cfpnet.com/policies/
English
When fire coverage is hard to find: the California FAIR Plan broker route
If suitable basic fire coverage is unavailable from traditional insurers, ask a licensed broker about the California FAIR Plan. It is a property-insurance option of last resort, not an automatic approval or a complete homeowners package for every applicant.
Ask the broker to compare other insurers first and review the building, belongings, covered risks and limits. The FAIR Plan advises considering separate supplemental protection, such as Difference in Conditions, flood or earthquake coverage. Holding a fire policy does not mean all those losses are insured.
Not every broker is registered to work with the FAIR Plan. Start with Find a Broker on the official website. Existing policyholders should direct coverage questions to their broker. The published general contact number is 800-339-4099, with business hours Monday through Friday, eight thirty to four. Online claim reporting is available around the clock; that does not mean telephone customer service has the same hours.
Checked October 2, 2026. Original publication date not established. Official source: https://www.cfpnet.com/policies/
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: California FAIR Plan
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.