In most of the country, and most of California, fire coverage is simply part of one standard homeowners policy. A standard policy bundles fire with the other hazards: a tree through the roof, theft, liability, water damage. The split only shows up in the highest-risk fire zones, where private carriers pull back and a homeowner ends up on the California FAIR Plan. The FAIR Plan is the state's insurer of last resort, and its basic policy is stripped down. It covers fire and a few named perils, and often leaves out contents, liability, and the full range of hazards a normal policy includes. So buyers in those zones frequently carry two policies: the FAIR Plan for the fire exposure, plus a separate wrap (difference-in-conditions) policy to fill in liability, contents, and everything else. Everywhere else, one policy still does the whole job. If you are shopping in a fire-prone area, get insurance quotes early, before you are deep into an offer. The cost and structure of coverage can meaningfully change what the home really costs to own. Coverage rules and program details change, so confirm current terms with a licensed insurance agent.