Turned down or non-renewed?
Can't get property insurance? You still have an option.
We specialize in the FAIR Plan — your state's insurance safety net for properties standard carriers won't touch. Tell us about your property and a licensed agent will find you coverage.
- Homeowners, landlords, renters, rehabs, condos, commercial & farms
- We sell in IA, NC, OH, TX, & WA
- Real people, no AI here
Free, no-obligation quotes from a licensed Insurance Agent.
Who it's for
If a standard insurer said no, start here.
Hard-to-insure homes
Older roofs, past claims, wildfire or flood zones.
Condos
Unit owner coverage for your interior, upgrades and belongings.
Rental properties
Landlords who lost coverage on a single family or multifamily.
Vacant properties
Properties in process of being renovated.
Commercial buildings
Storefronts and mixed-use buildings standard carriers pass on.
Farms
Barns, outbuildings and rural dwellings.
Renters
Protection for your personal belongings.
Sound familiar?
Rejection doesn't determine your value.
Insurers pull back from whole regions and property types all the time. The FAIR Plan exists precisely so homeowners, landlords, tenants, farmers and business owners aren't left exposed. Our job is to get you onto it — quickly and correctly.
Check my eligibility: call (888) 928-9324- You live in a wildfire- or storm-prone area
- Your property is in a high-risk flood zone
- The building is older or has structural issues
- The property is vacant and being renovated
How it works
Three steps to covered.
Tell us about the property
One quick phone call or email. No documents needed to start.
We check eligibility & quote
A licensed Insurance Agent reviews your state's FAIR Plan rules and prices your coverage.
Get covered
We handle the application and point out any gaps worth filling with add-on policies.
Where we work
Proudly serving five states.
- Ohio
- Texas
- North Carolina
- Washington
- Iowa
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Want to be on the other side of the desk?
Get your Ohio insurance license in six weekends. Our 40-hour pre-licensing courses run Saturdays and Sundays — live streamed anywhere in the state of Ohio.
FAQ
Questions, answered plainly.
Still unsure? Call (888) 928-9324 — we'll tell you in minutes whether the FAIR Plan fits.
What is the FAIR Plan?
FAIR stands for Fair Access to Insurance Requirements. It's a state-mandated “insurer of last resort,” funded collectively by the insurers in your state, that provides basic property coverage when private companies decline.
Am I eligible?
Generally you need to show you made a reasonable effort to find coverage in the private market and that you've taken reasonable steps to reduce risk (repairing broken windows, trimming brush, adding security). We'll walk you through your state's specific rules.
What does it cover — and what doesn't it?
FAIR Plan policies typically cover fire, vandalism and certain named perils. Because rules vary by state, exact coverages depend on your location. We'll tell you exactly where the gaps are when you call us.
Is the FAIR Plan expensive?
Pricing depends on the property, location and state. Because it's often the only option left, the most expensive choice is usually going uninsured. Request a quote — it's free and there's no obligation.
Which states do you serve?
We place FAIR Plan coverage in Iowa, North Carolina, Ohio, Texas and Washington.
Don't go uninsured.
One unprotected fire or break-in can cost far more than a policy. Get your free FAIR Plan quote today.