Insurance Programs

FAIR Plan

State-sponsored insurance programs that provide basic property insurance when coverage is not available in the private market.

FAIR Plans provide basic fire and extended coverage when private insurers won't offer coverage. They're typically more expensive but serve as a safety net for high-risk properties.

Related Terms

High-Risk Property

Properties that insurance companies consider more likely to experience losses due to location, condition, or other risk factors.

Surplus Lines Insurance

Insurance coverage provided by non-admitted insurers for risks that cannot be placed with standard admitted carriers.

Need Help with Your Insurance?

Our network of specialists can help you understand your coverage options and find the right protection for your high-risk property.