Fair Access to Insurance Requirements (FAIR) Plans were created in the late 1960s to make property insurance more readily available to people who can't obtain it from private insurers because their property is considered "high risk." The plans are operated by the insurance industry and make insurance available to property owners meeting certain requirements.
Following the name of each association listed in the table below are letters indicating the type of plan it offers, as well as the plan's mode of operation:
- F: FAIR Plan or Residual Property Insurance Mechanism.
- B: Beach & Windstorm Plan
- S: Operated as a syndicate (which means that member companies will take predetermined shares of losses, premiums, expenses, and profits)
- SSC: Single Service Carriers
- MSC: Multiple Service Carriers
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Alabama Insurance Underwriting Association (B, S)
315 East Laurel Ave.
Suite 216 D
Foley, AL 36535
(251) 943-4029
Fax: (251) 943-4030
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Michigan Basic Property Insurance Association (F, S)
200 Renaissance Center,
Suite 1500
Detroit, MI 48243
(or P.O. Box 86,
Detroit, MI 48231-0086)
(313) 877-7400
Fax: (313) 568-5377
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California FAIR Plan Association
(F, S)
3435 Wilshire Boulevard, Suite 1200
Los Angeles, CA 90010
(or P.O. Box 76924
Los Angeles, California 90076-0924)
(213) 487-0111
(800) 339-4099
Fax: (213) 252-9211
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Minnesota FAIR Plan (F, S)
1201 Marquette Avenue, Suite 310
Minneapolis, MN 55403-2456
(612) 338-7584
Fax: (612) 338-4543 |
Connecticut FAIR Plan (F, S)
77 Hartland Street, Suite 308
East Hartford, CT 06128-0200
(or P.O. Box 280200,
East Hartford, CT 06128-0200)
(860) 528-9546
Fax: (860) 282-0070
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Mississippi Windstorm Underwriting Association
(B, SSC)
2685 Insurance Center Drive
Jackson, MS 39216
(or P.O. Box 5389
Jackson, MS 39296-5389)
(601) 981-2915
Fax: (601) 981-2924 |
Insurance Placement Facility of Delaware (F, S)
530 Walnut Street, Suite 1650
Philadelphia, PA 19106-3698
(215) 629-8800
Fax: (215) 409-9100 |
Missouri Property Insurance Placement Facility (F, S)
906 Olive Street, Suite 1000
St. Louis, MO 63101
(314) 421-0170
Fax: (314) 421-2575 |
District of Columbia Property Insurance Facility (F, S)
1225 1 Street N.W.
Suite 500
Washington, DC 20005-3914
(202) 393-4640
Fax: (202) 393-4645
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New Jersey Insurance Underwriting Association
(F, S)
744 Broad Street
Newark, NJ 07102-3881
(973) 622-3838
Fax: (973) 622-6357 |
Florida Residential Property and Casualty Joint Underwriting Association (F, MSC)
101 North Monroe Street, Suite 1000
Tallahassee, FL 32301
(850) 513-3700
Fax: (850) 513-3900
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New Mexico Property Insurance Program (F, SSC)
2201 San Pedro, N.E.,
Building 20
Albuquerque, NM 87110-4155
(505) 878-9563
Fax: (505) 878-9566 |
Florida Windstorm Underwriting Association (B, S)
Liberty Center
7077 Bonneval Road, Suite 500
Jacksonville, FL 32216
(904) 296-6105
Fax: (904) 281-5017 |
New York Property Insurance Underwriting Association
(F, S)
100 William Street, 4th Floor
New York, NY 10038
(212) 208-9700
Fax: (212) 344-9879 |
Georgia Underwriting Association
(F, S)
2825 Breckinridge Blvd., Suite 150
Duluth, GA 30096-7600
(or P.O. Box 956158
Duluth, GA 30095-6158)
(770) 923-7431
(800) 342-9607
Fax: (770) 717-8620
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North Carolina Joint
Underwriting Association
(F, B, S)
5651 Dillard St.
Cary, NC 27511
(or P.O. Box 8009
Cary, NC 27512)
(800) 662-7048 in-state
(919) 821-1299
Fax: (919) 829-1793
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Hawaii Property Insurance Association (F, SSC)
P.O. Box 2880
Honolulu, HI 96802-2880
(808) 545-8444
Fax: (808) 545-8203
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Ohio FAIR Plan Underwriting Association (F, S)
2500 Corporate Exchange Drive, Suite 340
Columbus, OH 43231
(614) 839-6446
Fax: (614) 839-6676 |
Illinois FAIR Plan Association (F, S)
P.O. Box 81469
Chicago, IL 60681-0469
(312) 861-0385
Fax: (312) 861-0485 |
Oregon FAIR Plan Association (F, SSC)
8285 Southwest Nimbus Avenue, Suite 104
Beaverton, OR 97008-6466
(503) 643-5448
Fax: (503) 641-2143 |
Indiana Basic Property Insurance Underwriting Association (F, MSC)
251 East Ohio Street, Suite 1070
Indianapolis, IN 46204-2143
(317) 264-2310
Fax: (317) 264-2313
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Insurance Placement Facility Of Pennsylvania (F, S)
530 Walnut Street, Suite 1650
Philadelphia, PA 19106-3698
(215) 629-8800
Fax: (215) 409-9100
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Iowa FAIR Plan Association (F, S)
6967 University Avenue
Des Moines, IA 50311
(515) 255-9531
Fax: (515) 255-6549 |
Rhode Island Joint Reinsurance Association
(F, S)
Two Center Plaza
Boston, MA 02108-1904
In MA: (800) 392-6108
In U.S.: (800) 851-8978
Fax: (800) 932-2117 |
Kansas All-Industry Placement Facility (F, SSC)
1115 SW Wanamaker Road
Topeka, KS 66604-3808
(785) 271-2300
Fax: (785) 271-2341 |
South Carolina Wind & Hail Underwriting Association
(B, S)
One Greystone Building,
Suite 101
240 Stoneridge Drive
Columbia, SC 29210
(or P.O. Box 407
Columbia, SC 29202-0407)
(803) 779-8373
Fax: (803) 779-0324
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Kentucky FAIR Plan and Reinsurance Association (F, S)
Hurstbourne Park Building
9200 Shelbyville Road, Suite 600
Louisville, KY 40222-5133
(502) 425-9998
Fax: (502) 425-8237 |
Texas Windstorm Insurance Association (B, S)
5700 South MoPac Expressway, Building C, Suite 300
Austin, TX 78749
(or P.O. Box 99090
Austin, TX 78709-9090
(512) 899-4900
Fax: (512) 899-4950
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Louisiana Insurance Underwriting Plan (B,SSC)
433 Metairie Road, Suite 400
Metairie, LA 70005
(or P.O. Box 60730,
New Orleans, LA 70160)
(504) 831-6930
Fax: (504) 831-6676
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Virginia Property Insurance Association (F, S)
3600 W. Broad Street,
Suite 669
Richmond, VA 23230
(or P.O. Box 6649
Richmond, VA 23230)
(804) 358-0416
Fax: (804) 358-0733
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Louisiana Joint Reinsurance Plan
(F, SSC)
433 Metairie Road, Suite 400
Metairie, LA 70005
(or P.O. Box 60730,
New Orleans, LA 70160)
(504) 831-6930
Fax: (504) 831-6676
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Washington FAIR Plan
(F, SSC)
2122 164th Street, S.W., Suite 201
Lynnwood, WA 98037
(425) 745-9808
Fax: (425) 745-3038 |
Maryland Joint Insurance Association (F, S)
210 N. Charles St., Suite 1001
Baltimore, MD 21201-4012
(410) 539-6808
Fax: (410) 244-7268 |
West Virginia Essential Property Insurance Association (F, S)
530 Walnut Street, Suite 1650
Philadelphia, PA 19106-3698
(215) 629-8800
Fax: (215) 409-9100 |
Massachusetts Property Insurance Underwriting Association (F, S)
Two Center Plaza
Boston, MA 02108-1904
In MA: (800) 392-6108
In U.S.: (800) 851-8978
Fax: (800) 932-2117
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Wisconsin Insurance Plan
(F, S)
700 West Michigan Street,
Suite 320
Milwaukee, WI 53233
(414) 291-5353
Fax: (414) 291-5365
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Your insurance agent can help you determine if you are eligible for coverage by your state's FAIR Plan, or if there are other options for you.
Once you have a policy from a FAIR Plan, you can contact your agent or the FAIR Plan's office to file a claim.
Source: Property Insurance Plans Service Office
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British Citizens:
Canadian Citizens:
