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FAIR plans: Home insurance for "high risk" properties

Is your home "high risk"? Most home insurance companies will place you in that category if you live in an area prone to severe weather or crime, or if your home has old plumbing or a weathered electrical system. In these cases, finding a home insurance policy could prove tricky.

Home insurance FAIR plans

To make property insurance more readily available to people who can't obtain it from private insurers, the federal government established the Fair Access to Insurance Requirements (FAIR) plans in the late 1960s, according to the Insurance Information Institute (III). The plans are operated by the insurance industry and make home insurance available to property owners in the "high risk" category.

FAIR plans often cost more than private insurance and offer less coverage, but for some they offer the only home insurance available. All FAIR plans cover losses due to fire, vandalism, riot and windstorms, according to III.

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 would contact your agent or the FAIR Plan's office to file a claim.

The following states offer FAIR plans or assistance in obtaining coverage. In a few states, there is a counterpart to FAIR plans called Beach and Windstorm plans that provide coverage for hurricanes and severe windstorms.

State
FAIR plan phone number
Alabama
(334) 943-4029
California
(213) 487-0111
Connecticut
(860) 528-9546
Delaware
(215) 629-8800
District of Columbia
(202) 393-4640
Florida Joint Underwriting Association
(850) 513-3700
Florida Windstorm Underwriting Association
(904) 296-6105
Georgia
(770) 923-7431
Hawaii
(808) 531-1311
Illinois
(312) 861-0385
Indiana
(317) 264-2310
Iowa
(515) 255-9531
Kansas
(785) 271-2300
Kentucky
(502) 425-9998
Louisiana FAIR Plan
(504) 831-6930
Louisiana Beach Plan
(504) 831-6930
Maryland
(410) 539-6808
Massachusetts
(617) 723-3800
Michigan
(313) 877-7400
Minnesota
(612) 338-7584
Mississippi
(601) 981-2915
Missouri
(314) 421-0170
New Jersey
(973) 622-3838
New Mexico
(505) 878-9563
New York
(212) 208-9700
Ohio
(614) 839-6446
Oregon
(503) 643-5448
Pennsylvania
(215) 629-8800
Rhode Island
(617) 723-3800
South Carolina
(803) 737-6180
Texas
(512) 899-4900
Virginia
(804) 358-0416
Washington
(425) 745-9808
West Virginia
(215) 629-8800
Wisconsin
(414) 291-5353
Source: Insurance Information Institute (III)

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