California FAIR Plan Payment, Login and Contact Information
Coverage Clock is an independent guide, not the FAIR Plan. To actually make a California FAIR Plan payment or log in, use the Plan's own site at cfpnet.com — the official links are below. This page explains which portal you need, the three payment plans, the fees that apply, the autopay rules, and how to reach the Plan, all taken from the Plan's published pages and the California Department of Insurance.
The three payment plans
| Plan | How it works (per the FAIR Plan) | Installment fee |
|---|---|---|
| Full Pay | One full payment of the total annual premium. | None for Dwelling Fire or Commercial |
| Triannual (3 Pay) | Three installments of 40%, 30% and 30% of the annual premium. | $4.50 per installment (Dwelling Fire and Commercial) |
| Monthly (11 Pay) | Eleven payments: an initial payment of 16.67% of the annual premium plus 10 additional equal payments. | $4.50 per installment (Dwelling Fire and Commercial) |
California Earthquake Authority (CEA) policies billed by the FAIR Plan carry a $1.00 per-installment fee. Source: California FAIR Plan, Payment Plan Options.
You can change plans at renewal: the Plan says you do this "by simply making the term's initial payment in the amount listed on your renewal invoice for the pay plan of your choice." Since March 16, 2026, policyholders can select a plan at policy inception and at renewal.
Fees to know before you pay
- ACH (bank transfer): no processing fee.
- Credit or debit card: 3.5% processing fee, charged by a third-party vendor. On a $2,000 premium that is $70, so ACH is the cheaper route if you have the choice.
- Returned payment: $25 for Dwelling Fire and Commercial policies when a premium payment is dishonored.
- Installments: $4.50 each on the 3 Pay and 11 Pay plans, so the 11 Pay plan adds up to $49.50 over the term versus $13.50 for 3 Pay (our arithmetic from the published per-installment fee).
Autopay: who can use it
The FAIR Plan began accepting automatic recurring payments on April 1, 2026. Enrollment is voluntary, and these are the rules in its autopay guidelines (last revised August 24, 2026):
- Eligible policies: Dwelling Fire, Commercial, Commercial High Value, California Earthquake Authority and Businessowners.
- Not eligible: mortgagee-billed policies and premium-financed policies. If your lender pays your FAIR Plan premium through escrow, autopay is not an option; see what happens with a mortgage.
- Eligible plans: 3 Pay, 11 Pay and Annual (Full Pay) per the August guidelines. An earlier March 2026 notice excluded Full Pay, so check the portal for your policy.
- Payment methods: credit card, debit card or ACH. Only one method can be used for automatic payments; you cannot split a payment.
- Re-enroll at renewal. If you renew, you need to enroll in autopay again.
- Notices by email: enrolling requires opting in to emailed billing and autopay notices.
- Cancel any time in the portal under "Update Autopay and Electronic Communications," or by clicking "Unsubscribe" in the emailed notices. Your policy stays active.
- Failed payments: if two or more transactions are returned from the same payment source, that source can't be used again. Per the guidelines, a cancellation notice may be issued, and paying by the due date keeps the policy active.
Logging in: which portal you actually need
"California FAIR Plan login" means three different things depending on who you are, and sending a homeowner to a broker portal is the most common reason people get stuck. The Plan's online services run on cfpnet.com and its action subdomain.
| If you are… | What you need | Where |
|---|---|---|
| A homeowner / policyholder | There is no general policyholder account dashboard. You use the Plan's direct-action pages to pay and to check status — no login required for these. | Make a Payment · Check payment status · Check policy status |
| A broker or agent | A registered broker account. This is what "CFPNet login", "CA FAIR Plan broker login" and "agent login" all refer to — it is not a homeowner login. | The broker area of cfpnet.com |
| Looking for a broker | The Plan's Broker Finder, which CDI points consumers to. | cfpnet.com |
Payment troubleshooting
The problems people hit most often, and what actually resolves them:
- "I can't find a login to see my policy." There isn't a general policyholder dashboard — use the Check policy status and Check payment status pages above, which don't require an account. For anything beyond status, the Plan directs policy questions to your broker.
- "My payment was returned." Dwelling Fire and Commercial policies incur a $25 returned payment fee. Under the autopay guidelines, if two or more transactions are returned from the same payment source, that source can't be used again and a cancellation notice may follow.
- "I want to pay by card but don't want the fee." Card and debit payments carry a 3.5% processing fee charged by a third-party vendor. ACH payments have no processing fee.
- "My mortgage company is supposed to pay this." Mortgagee-billed policies are not eligible for autopay, and the servicer pays from escrow. Confirm with your servicer before paying separately — duplicate payments are harder to unwind than to avoid.
- "I enrolled in autopay last year and it didn't carry over." Autopay enrolment does not persist automatically — you must re-enrol at each renewal.
- "I want to change payment plan." At renewal: make the term's initial payment in the amount shown on your renewal invoice for the plan you want.
Contact, phone numbers and claims
The FAIR Plan's contact page lists (213) 487-0111 and (800) 339-4099, Monday through Friday, 8:30 a.m. to 4:00 p.m., for general inquiries and claims, plus 24/7 online claim reporting. It directs policy questions to your broker. The California Department of Insurance separately publishes 800-339-4099 as the number to contact the Plan directly about coverage.
| What you need | Who to contact |
|---|---|
| Make a payment | The Plan's own portal at action.cfpnet.com |
| General inquiries | (213) 487-0111 or (800) 339-4099, Mon–Fri 8:30 a.m.–4:00 p.m. |
| Report a claim | Same numbers, or the Plan's 24/7 online claim reporting |
| Policy questions, changes, coverage | Your broker — the Plan directs these there |
| Find a broker | The Broker Finder on cfpnet.com |
| Complaint about an insurer | California Department of Insurance, insurance.ca.gov |
Coverage Clock can't help with billing disputes, claims or policy changes — we're an independent research site with no access to any policy.
What we could not verify
Common questions
How do I make a California FAIR Plan payment?
Use the Plan's own online portal at cfpnet.com (the Make a Payment page). You can pay by ACH, credit card or debit card; ACH has no processing fee and cards carry a 3.5% fee charged by a third-party vendor.
What payment plans does the California FAIR Plan offer?
Three: Full Pay (one payment), Triannual or 3 Pay (40%, 30% and 30%), and Monthly or 11 Pay (an initial 16.67% payment plus 10 equal payments). Dwelling Fire and Commercial policies pay $4.50 per installment on the 3 Pay and 11 Pay plans.
Does the California FAIR Plan charge a fee to pay by credit card?
Yes. The Plan says credit and debit card payments carry a 3.5% processing fee charged by a third-party vendor. ACH payments have no processing fee.
Does the California FAIR Plan have autopay?
Yes, since April 1, 2026, for eligible policies (Dwelling Fire, Commercial, Commercial High Value, CEA and Businessowners). Mortgagee-billed and premium-financed policies are not eligible, and you must re-enroll at each renewal.
What happens if a California FAIR Plan payment is returned?
Dwelling Fire and Commercial policies incur a $25 returned payment fee. Under the autopay guidelines, if two or more transactions are returned from the same payment source, that source can't be used again, and a cancellation notice may be issued.
Can I change my California FAIR Plan payment plan?
At renewal, yes: make the term's initial payment in the amount on your renewal invoice for the plan you choose.
How do I log in to the California FAIR Plan?
There is no general policyholder account dashboard. Homeowners use the Plan's direct-action pages on action.cfpnet.com to make a payment, check payment status and check policy status, none of which require a login. The “CFPNet login” that search results often point to is the broker and agent portal, not a homeowner account. For policy questions the Plan directs you to your broker.
What is the California FAIR Plan phone number?
The FAIR Plan's contact page lists (213) 487-0111 and (800) 339-4099, Monday through Friday, 8:30 a.m. to 4:00 p.m., for general inquiries and claims, plus 24/7 online claim reporting. The California Department of Insurance separately publishes 800-339-4099 as the number to contact the Plan directly about coverage.
What is cfpnet.com?
cfpnet.com is the California FAIR Plan Association's own website, where payments, policy status checks and the broker portal live. Coverage Clock is an independent guide and is not affiliated with the FAIR Plan. If a site other than cfpnet.com asks you to log in or pay a FAIR Plan premium, treat it with suspicion.