Alternatives to the FAIR Plan

We can help you find an alternative to the FAIR Plan. 

Are You Having A Hard Time Getting Home Insurance Coverage At An Acceptable Rate? Get better coverage at a better rate.
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What is FAIR Plan Insurance?

After being declined by multiple insurance companies many consumers reach out to a state FAIR Plan. About half of the states in the United States have a state FAIR Plan (Fair Access to Insurance Requirements) and they can be a safety new for homeowners who have been declined coverage by insurance companies. These plans, created after the riots in the 1960’s, were originally designed to increase the availability of business insurance in urban areas but have since been extended for homeowners that have been unable to obtain insurance for a wide variety of reasons.

Why is it necessary?

FAIR Plans issue coverage as a “last resort” and it is typically required to show proof that you were unable to find coverage in the standard market. Many customers find themselves unaware that their credit, the age of their home, lapses in coverage, geographic location or even claims that were completely out of their control may lead them to believe that a FAIR Plan policy is their only option. Everyones main objective should be to secure coverage in the standard market as most FAIR Plan policies are basic and often cost more for less coverage. Customers that are already in the FAIR Plan are advised to shop for new coverage at least once a year.
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Unable to Obtain Coverage?

Many consumers opt to allow their mortgage companies to add “force placed” or “lender placed” coverage to their homes. The unfortunate issue is that many times the mortgage companies do not make it clear that typically these policies do not cover your personal property, loss of use or even your liability. They are typically insurance policies that the consumer pays for, that mostly benefits a bank and not them. It is without a doubt that mortgage forced policies are the lease safe option in the market.

Since FAIR Plans are considered the market of last resort, consumers will be best served when they find an agent with the experience in high risk homeowners insurance as well right resources and carriers. Ultimately the end goal is to obtain the right coverage at a competitive price and with the right agent that can be accomplished in almost any situation.
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**The contents of this website are provided for informational purposes only and do not constitute legal or coverage advice or an offer or solicitation for the sale or purchase of insurance. If you submit a request for a quote you will be contacted by a licensed agent who can discuss coverage options with you. Consumers are urged to try to find coverage in the private market and we can help you find an agent that can help you find alternatives to the FAIR Plan and other high risk plans. This website is no way affiliated with or sponsored or endorsed by any federal, state or local governmental agency or state fair plan. Insurance coverage not available in all states. **
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