California Code, Insurance Code - INS § 2070

All fire policies on subject matter in California shall be on the standard form, and, except as provided by this article shall not contain additions thereto.  No part of the standard form shall be omitted therefrom except that any policy providing coverage against the peril of fire only, or in combination with coverage against other perils, need not comply with the provisions of the standard form of fire insurance policy or Section 2080;  provided, that coverage with respect to the peril of fire, when viewed in its entirety, is substantially equivalent to or more favorable to the insured than that contained in such standard form fire insurance policy.