The short answer is no. First, a homeowner must own either a single-family home, townhome, condo, or rental property in the state of California to be eligible. There are certain building requirements that must be met as well which is beyond the scope of this article. Of course, the homeowner must have applied for home insurance with several insurance providers and been denied, before being eligible for the FAIR plan. One other caveat is that the home must be occupied for more than 50% of the year. The California FAIR plan will not insure homes that are left vacant for half a year or more. There are other factors that may make the home ineligible such as the home already having damage that has not been repaired or has been tied to illegal activity.