Basic property insurance is the product the FAIR Plan exists to provide, and §10091(c) defines it.
§10091(c)(1): insurance against direct loss to real or tangible personal property at a fixed location from the perils in the standard fire policy and extended coverage endorsement, plus vandalism and malicious mischief. Other coverages can be added with approval.
What the definition includes and leaves out:
Includes manufactured homes and mobilehomes, on the same terms as other residential dwellings.
Includes business property at a fixed location, such as a shop's stock and fixtures.
Leaves out automobile risks, commercial agricultural commodities or livestock, and equipment used to cultivate or transport them.
What it does not reach: personal liability. That is why a FAIR Plan buyer often needs supplemental coverage from a private insurer.