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  "id": "cfp-dwelling-property-policy-form",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Sample Dwelling Property Policy, Form CFP 00 01 (05/2026)",
  "publisher": "California FAIR Plan Association",
  "url": "https://www.cfpnet.com/wp-content/uploads/2026/01/Dwelling-Fire-Policy_effective-3-17-26.pdf",
  "officialHost": true,
  "sourceType": "policy-form",
  "authorityLevel": "carrier-official",
  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "The FAIR Plan revises and refiles its forms periodically; this edition is designated 05/2026 and is published on the FAIR Plan site as the dwelling fire policy effective 3-17-26.",
  "status": "active",
  "supportsClaims": [
    {
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      "checksum": "342360385f5d",
      "text": "The document is headed 'SAMPLE DWELLING PROPERTY POLICY' under the California FAIR Plan Association masthead, runs 17 pages, and every page footer reads 'CFP 00 01 (05/2026) Includes copyrighted material of Insurance Services Office, Inc., with its permission.'"
    },
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      "claimId": "cfp-dwelling-property-policy-form#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c2",
      "checksum": "6a6795f74411",
      "text": "General Exclusion 2 reads: 'Earth Movement, meaning earthquake, including land shock waves or tremors before, during or after a volcanic eruption; landslide; mine subsidence; mudflow; earth sinking, rising or shifting; unless direct loss by: a. fire; or b. explosion; ensues and then we will pay only for the ensuing loss.'"
    },
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c3",
      "checksum": "256b73feb620",
      "text": "General Exclusion 3 reads: 'Water Damage, meaning: a. flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind; b. water which backs up through sewers or drains or which overflows from a sump; or c. water below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure.' It then states: 'Direct loss by fire or explosion resulting from water damage is covered.'"
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c4",
      "checksum": "7471cb04e7f3",
      "text": "Peril Insured Against 9 reads: 'Volcanic Eruption other than loss caused by earthquake, land shock waves or tremors.'"
    },
    {
      "claimId": "cfp-dwelling-property-policy-form#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form#c5",
      "checksum": "28899eef2112",
      "text": "This is a dwelling fire form published by the California FAIR Plan Association, not a homeowners form and not a private carrier's filed homeowners form."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "Does homeowners insurance cover earthquake damage in California?",
      "url": "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california"
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  "reliedOnByCount": 1,
  "citation": {
    "text": "California FAIR Plan Association. \"Sample Dwelling Property Policy, Form CFP 00 01 (05/2026).\" unknown. https://www.cfpnet.com/wp-content/uploads/2026/01/Dwelling-Fire-Policy_effective-3-17-26.pdf (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record cfp-dwelling-property-policy-form, content version 2026.08.31. https://bestinsuranceresearch.com/sources/cfp-dwelling-property-policy-form",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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}