State FAIR Plans

FLORIDA Citizens Property Insurance Corporation Mailing address (non-claims): Citizens Property Insurance Corporation PO Box 17219 Jacksonville, FL 32245-7219 Office address: 2101 Maryland Circle Tallahassee, FL 32303 Phone: (800) 524-9023 Website: citizensfla.com Personal and Commercial coverages are offered. For personal, there is coverage for Site-Built Homes, Condos, Mobile & Manufactured Homes, and Renters. For commercial, there are Commercial Residential Policies, and Commercial Nonresidential Policies. Wind-only policies are available in certain areas of the state when all eligibility requirements are met. Homeowners can be written on a HO 00 03, on an open peril basis; a HO 00 08, a more restrictive version which covers 11 named perils, or a HW-2, which covers wind and hail only. The HO 00 03 and HW-2 covers the building, other structures on the property, and personal property. It also provides additional living expense and personal liability coverage. Dwelling policies can be written on a DP 00 03, a DW-2, or a DP 00 01. They are available for tenant-occupied properties and properties that otherwise may not qualify for a HO-3 or HO-8 policy. The DP 00 03 and DW-2 cover the dwelling, other structures, personal property, and loss of rent or additional living expenses. Coverage for tenant or renter’s contents and liability is also available. The DP 00 01 provides more limited coverage for only certain named perils. Condominiums, Mobile & Manufactured Homes, and Renters policies can also be written on a named peril basis or a wind-only policy. Condos can be written on a HO 00 06, or HW-6 form. Mobile homes can be written on a MHO-3, MW-2, MDP-1, or MD-1 form. Renters can be written on a HO 00 04, HW-4, or MHO-4, all of which cover the renter or tenant’s personal property, additional living expenses, and personal liability, but do not provide coverage for the structure itself. Coverage can be replacement cost of actual cash value, depending on the policy and home type. Optional coverages include sinkhole loss coverage, personal property replacement cost, and increase limits for ordinance or law. Commercial policies cover multiperil and wind-only, where available. They do not include liability coverage. Commercial policies can cover commercial properties used for residential purposes, such as apartment building, condo associations, continuing care retirement community building, and common property and residential buildings owned by a Homeowners association. There is also coverage for commercially operated nonresidential property.

California California FAIR Plan Property Insurance Mailing address: PO Box 76924 Los Angeles, CA 90076 Phone: (213) 487-0111 Website: www.cfpnet.com The FAIR Plan Dwelling Fire Policy is a named peril policy, and provides coverage only for damage caused by Fire and Lightning, Internal Explosion, and Smoke. Optional coverages are available for coverage for vandalism and malicious mischief, at an additional cost. This plan is suitable for the following customers: Owner-occupied: 1-4 unit dwellings where the owner lives in one or more unit Seasonal Rental: dwellings that are rented for less than one year Rentals: 1-4 unit dwellings that are rented to a tenant for at least one year Renters: Personal property coverage for the tenant of an apartment or dwelling Condominium unit owners: Personal property and improvements coverage for a condo unit owner Insureds who want more coverage for perils such as water damage, theft and liability coverage may obtain a Difference in Conditions (DIC) policy. These policies are not provided through the FAIR plan but are provided through separate insurers. A list may be found here or an individual’s broker can advise. The FAIR Plan Commercial Fire Policy is a named peril policy, and provides coverage only for damage caused by Fire, Lightning, and Internal Explosion. Optional coverages are available for coverage for vandalism and malicious mischief, at an additional cost. This plan is suitable for the following customers: Habitational buildings: buildings with 5 or more habitational units such as apartment buildings, hotels, or motels Retail mercantiles: shops such as boutiques, salons, dry cleaners, and convenience stores Manufacturing: companies that manufacture most types of products Office buildings: offices for professionals such as doctors, lawyers, and consultants Buildings under construction: residential and commercial buildings under construction from the ground up Farms and wineries: basic property insurance for commercial farms, wineries, and ranches, not including coverage for crops and livestock The California FAIR plan offers earthquake coverage through the California Earthquake Authority (CEA) as a separate policy for customers with a FAIR Plan dwelling fire policy. A stand-alone policy is not available, you must have an in-force FAIR Plan policy. Coverage is available for the following: Dwellings: 1-4 unit Condominium: Building Property coverage that can help repair interior walls, flooring, fixtures, and windows when the inside of the condo unit is damage by an earthquake Renters: covers the cost of living elsewhere if the rental is damage and in need of repairs Mobile & Manufactured Homes: includes coverage for damage to a mobile home or manufactured home, and structures attached to it, like a garage

Connecticut Connecticut FAIR Plan Mailing and Office address: Connecticut FAIR Plan 77 Hartland Street Suite 308 East Hartford, CT 06128 Phone: (860) 528-9546 Fax: (860) 282-0070 Website: ctfairplan.com Habitational property is written on ISO form DP 00 01. It offers standard basic named perils coverage, and does not include coverage for theft, freezing, or water damage. Commercial property is written on ISO form CP 00 99. Habitational policies are written with no coinsurance. Commercial policies can be written with coinsurance of 80%, 90%, or no coinsurance. The deductible for Habitational ranges from $250-$10,000, and for Commercial ranges from $500-$75,000. Eligible habitational property includes 1-4 family owner or tenant occupied dwellings, condos, and row houses. Eligible commercial property includes 5+ family apartment buildings, mercantile, and manufacturing risks. Personal liability coverage is available for: 1-3 family occupied dwellings, 1-3 family vacant/unoccupied dwellings written in the name of an estate, and 1-3 family dwellings that are vacant under renovation. Ineligible is vacant property that is not in the name of an estate or not under renovation, and farm property. Vacant estates are eligible for fire, extended coverage, vandalism & malicious mischief and liability coverages, but the named insured has to be “the Estate of”. Vacant and under renovation are eligible for fire, extended coverage, and vandalism & malicious mischief for dwellings and commercial property. Buildings under construction are written on a completed value basis. Endorsements can be requested, but can only be bound after review and approval by the Plan. Endorsements must be requested by using Form #20 available here. These include an increase or decrease in the amount of insurance, removal permit, change of address, adding new perils, and change of mortgagee or loss payee. A Producers’ Manual can be requested to be sent by mail from this page. The Connecticut FAIR Plan also administers the Coastal Market Assistance Program (C-MAP), which assists homeowners living in coastal areas who have been unable to obtain insurance.

Delaware Insurance Placement Facility of Delaware Address: 190 N. Independence Mall West Suite 301 Philadelphia, PA 19106-1554 Phone: (800) 462-4972 or (215) 629-8800 Fax (215) 409-9100 Website: defairplan.com Habitational property is written on an adapted ISO form DP 00 01, which includes coverage for fire or lightning, and internal explosion. If extended coverage is opted for, perils insured against include windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, and volcanic eruption. You can also elect to have coverage for vandalism and malicious mischief, for an additional premium. One to four family dwellings are eligible. The maximum limit for 1-4 family dwellings is $500,000 if occupied, and $335,000 if vacant. Owner-occupied dwellings purchased within six months of submitting the application have a maximum of 200 percent of the recent purchase price. Tenant-occupied dwellings purchased within six months of submitting the application have a maximum of 125 percent of the recent purchase price. Higher amounts will be considered by the underwriting manager after inspection. Commercial property is written on ISO form CP 00 99. Perils insured against include fire, lightning, explosion, windstorm or hail, smoke, aircraft, vehicles, riot, civil commotion, sinkhole collapse, and volcanic action. Vandalism and sprinkler leakage are available for an additional premium. Vandalism and malicious mischief, and sprinkler leakage are not available on fully vacant or unoccupied properties, or on Builder’s Risks. Buildings that are protected have maximum limits of $250,000, $500,000, and $750,000 depending on the type of fire-resistive or non-combustible construction. Contents have maximum limits of $100,000, $200,000, and $250,000 depending on the type of construction. These limits are halved if the building is unprotected or semi-protected, and are reduced by one-third if the building is vacant. A hurricane deductible of $2000 is mandatory for all dwellings located within zip codes 19930, 19970, 19944, 19971, and 19958.

District of Columbia District of Columbia Property Insurance Facility (DCPIF) Address: 3290 N Ridge Road Suite 210 Ellicott City, MD 21043 Phone: (202) 393-4640 Fax: (410) 244-7268 Email: info@dcpig.org Website: dcpif.org The DCPI offers Homeowners, Dwelling, and Commercial property insurance. The Habitational property forms in use are the Dwelling Fire Form DP 00 01 and Homeowner Forms: HO 00 02 Broad Form Dwelling, HO 00 04 Tenants Form, HO 00 06 Condominium Owners Form, and HO 00 08 Modified Coverage Form. Forms HO 00 02, HO 00 04, and HO 00 06 offer Broad Form Perils coverage, and form HO 00 08 offers Limited Perils. There are 22 additional optional endorsements that can be attached to the policy. The maximum limit for Coverage A Dwelling is $455,000 and for Coverage C Contents is $227,500. Commercial property may be written on the Commercial Fire Form CP 00 99 Standard Property Policy. The maximum limit for all property, real and personal, regardless of construction type, at any one location is $1,500,000. Covered perils for Commercial and Dwelling Fire policies are fire, lightning, windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, and smoke. Vandalism and malicious mischief are covered unless the property is vacant or unoccupied.

Georgia Georgia Underwriting Association Address: 3355 Annandale Ln #3 Suwanee, GA 30024 Phone: (770) 923-7431 Fax: (770) 717-8620 Website: georgiaunderwriting.com Georgia’s FAIR Plan offers Homeowners, Dwelling, Mobilehome, and Commercial coverages. The Homeowners policy is written on a HO 00 08 Form, and covers fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicle, smoke, vandalism, and theft up to $1,000. The theft limit can be increased to $3,000 or $5,000 for an additional premium. Personal liability coverage is also included for up to $100,000, and Medical Payments for up to $1,000. Replacement cost coverage is offered for an additional 10% of the base premium. Optional Water Coverage is available. Dwellings can be written on a DP 00 01, and it is for a 1-4 family dwelling only. It offers the same named perils as the Homeowners Policy, except Theft. Optional Water Coverage is available. Liability coverage up to $20,000 is available. Dwellings can also be written on the DP GUA 300 form, which covers only Windstorm or Hail. Building and Contents coverage combined has a limit of $2 million. Mobilehomes are also written on a DP 00 01, but there is no water coverage. Mobilehomes have tie down requirements. Commercial properties are written on a CP 00 99 form and coverage can be either CF 12 15 Commercial Fire or a CWF 12 15 Wind and Hail only. The CF 12 15 covers fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot or civil commotion, volcanic action, and vandalism, and the CWF 12 15 covers only wind and hail. Business Interruption and Replacement Cost are optional and available for an additional premium. Building, Contents, and Business Income coverage combined cannot exceed $2 million. The maximum for a related set of buildings cannot exceed an aggregate of $20 million and $2 million per building.

Hawaii Hawaii Property Insurance Association Address: 700 Bishop Street Suite 1100 Honolulu, HI 96813 Phone: (808) 585-3524 Fax: (808) 585-3510 Website: hpiainfo.com HPIA offers residential property coverage in the form of a Dwelling policy, a Homeowners policy, a Renter’s policy, and a Unit-owner’s policy. They are written on DP 00 02 07 88 Dwelling Property 2 Broad Form, HO 00 02 04 91 Homeowners 2 Broad Form, HO 00 04 04 91 Homeowners 4 Contents Broad Form, or HO 00 06 04 91 Homeowners 6 Unit-Owners Form. To be eligible the property must have been declined by two licensed insurers writing residential property insurance. All forms insure against 16 named perils, which are: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism, theft, falling objects, weight of ice, accidental discharge or overflow of water or steam, sudden and accidental tearing apart of a steam or hot water heating system, freezing, sudden and accidental damage from artificially generated electrical current, and volcanic eruption. The DP 00 02 and HO 00 02 forms offer limits for Coverage A Dwelling up to $450,000. HO 00 04 has no Coverage A coverage and HO 00 06 has only $5,000. DP 00 02 offers no coverage for Personal Liability and Medical Payments to Others. HO 00 02, HO 00 04, and HO 00 06 offer $100,000 for Personal Liability, with limits of $200,000 and $300,000 available. They also offer $1,000 for Medical Payments to Others. Deductibles for all policies range from $500 to $3,000.

Illinois Illinois FAIR Plan Association Mailing address: Illinois FAIR Plan Association PO Box 849 Tinley Park, IL 60477 Phone: (312) 861-0385 Fax: (312) 861-0134 Email: information@illinoisfairplan.com Website: illinoisfairplan.com The Illinois FAIR Plan offers habitational coverage and commercial coverage. Homeowners coverage may be written on forms HO 00 02, HO 00 03, and HO 00 08 for homeowners, and HO 00 04 and HO 00 06 for renters and condo owners. Owner occupied 1-4 family dwellings are eligible. Dwelling property can be written on DP 00 01. Eligible properties include owner and non-owner occupied properties up to 4 units, mobile homes at a fixed location, and farm residences. The dwelling form and the homeowners forms have a Coverage A limit of $750,000, while the renters form has no coverage A, and the condo-owners form has a limit of $100,000. The homeowners forms include personal liability and medical payments coverage for $100,000 and $1,000 for standard, with the option of up to $300,000 and $2,000. Commercial property is written on ISO standard property form CP 00 99, with a maximum limit of $1,000,000. Eligible properties include apartments with 5 or more units, mercantile, and service operations. Earthquake Coverage is available as an endorsement to the dwelling property and homeowners policy, but not commercial property.

Indiana Indiana Basic Property Insurance Underwriting Association Address: 3502 Woodview Trace Suite 100 Indianapolis, IN 46268 Phone: (317) 264-2310 Fax: (317) 264-2313 Website: indianafairplan.com The FAIR Plan offers residential dwelling and commercial property coverage. Residential policies are written on DP 00 01 and DP 00 02 for non and owner occupied, and HO 00 08 and HO 00 02 for owner occupied properties. DP 00 01 and HO 00 08 offer Basic form coverage, and DP 00 02 and HO 00 02 offer Broad form coverage. Deductible options are $500, $1000, and $2500. The maximum limit is $250,000 for building and contents combined. The homeowners forms offer personal liability and medical payments coverage for $100,000 and $1,000. There are optional coverages for Earthquake and Mine Subsidence. Vacant or unoccupied buildings are not eligible, unless it is under active renovation and the work will be completed and the home will be occupied within 90 days. Renters can acquire coverage for contents only under a DP 00 01. Contents within a condo can also be written under a DP 00 01, but no coverage for the unit is offered. Commercial property is written on ISO form CP 00 99, with a maximum limit for building and personal property of $1 million.

Iowa Iowa FAIR Plan Association Address: 2700 Westown Pkwy Suite 220 West Des Moines, IA 50266 Phone: (515) 255-9531 Fax: (515) 255-6549 Email: info@iowafairplan.com Website: iowafairplan.com Iowa’s Fair Plan offers Dwelling, Homeowners, and Commercial coverages. Eligible dwellings include 1-4 family dwellings, including single-family mobile homes, used exclusively for private residential purposes, and they are written on Form DP 00 01 07 88. The maximum limit on dwelling and contents combined is $250,000. Deductible options are $500 and $1,000. There may be an additional charge added to the premium if deficiencies are discovered during an inspection. Ineligible property include vacant or unoccupied lots; property with grossly inadequate heating, wiring, or plumbing; property with a wood-burning stove or a garage with a wood-burning stove; or is a rental property with more than 65% vacancy. Homeowners policies are eligible for owner-occupied single-family homes, and are written on a HO 00 08 10 00 form. The maximum dwelling limit is $200,000, $50,000 for Personal Liability, and $1,000 for Medical Payment to Others. Deductible options are $500, $1000, or $2500. The plan notes that very few properties qualify for the HO-8 program and recommend using the Dwelling Property Program for most properties. Properties ineligible for the HO-8 program include: Vacant or unoccupied properties Property has been declared unsafe by a local jurisdiction Ownership of dogs that are known to be dangerous Ownership of 3 or more horses or other riding animals, unless the applicant has a liability policy with limits of at least $100,000 in force The property is on more than 5 acres The property has a wood-burning stove, or a garage of outbuilding with a wood-burning stove Commercial property is written on form CP 00 99 04 02, and the maximum limit on real and personal property at one location is $1,000,000. The limit on the building cannot exceed the actual cash value of the building. Coverage amounts greater than $500,000 requires the approval of the Iowa FAIR plan’s governing committee. Deductible options are $500, $1000, and $2500, but a higher deductible may be required as a result of claims history.

Kansas Kansas FAIR Plan Address: 2942A SW Wanamaker Dr. Suite 250 Topeka, KS 66614 Phone: (785) 271-2300 Email: customerservice@ksfairplan.com Website: ksfairplan.com Kansas’s FAIR Plan differs from most other states in that it writes habitational policies on the AAIS FL-1 Basic Form. Covered perils include fire or lightning, and explosion. Optional perils–extended coverage include windstorm or hail, riot or civil commotion, aircraft, vehicles, sudden and accidental damage from smoke, sinkhole collapse, and volcanic action. There is also optional coverage for vandalism. Farm property is not covered. To qualify, coverage for the property must be declined by at least three insurance companies before applying to the Kansas FAIR plan, and the property is subject to inspection to determine eligibility.

Kentucky Kentucky FAIR Plan Mailing address: PO Box 437249 Louisville, KY 40243 Phone: (502) 425-9998 Email: kmay@kyfairplan.com Website: kyfairplan.com The Kentucky FAIR Plan offers Dwelling Fire, Homeowners, Commercial Property, and Commercial Farm Fire policies. The dwelling program is designed for 1-4 family dwellings and does include eligibility for owned and non-owned, seasonal or vacant property, and fixed mobile homes. They can be written on a DP 00 01 Basic Form or DP 00 02 Broad Form, and have a maximum limit of $200,000. Optional extended coverage, and vandalism and malicious mischief coverage is available. Homeowners can be written on a HO 00 02, HO 00 06, or HO 00 08 form for owner occupied buildings, all of which have a $200,000 maximum limit. Renters can use a HO 00 04 form, which has a $25,000 limit for contents. All forms include a $100,000 limit for Personal Liability, and $1,000 for Medical Payments. Limited theft coverage can be added by endorsement. Commercial property includes apartment buildings, mercantile, and services, and they are written on CP 00 99 Standard Property Form. Buildings classified as Protection Class 1-9 have a limit of $1,000,000. Buildings classified as Protection Class 10 have a limit of $250,000. Farm Property includes farm dwellings, barn or stables, outbuildings, and silos, and are written on the ISO FP 00 12 or FP 00 14 forms, with a maximum limit of $250,000.

Louisiana Louisiana Citizens Property Insurance Corporation 1 Galleria Blvd Suite 720 Metairie, LA 70005 Phone: (888) 568-6455 Fax: (504) 831-6676 Website: lacitizens.com The Louisiana FAIR Plan provides coverage for homeowners, dwelling owners, and commercial property owners. The website does not provide details on eligibility, coverages or limits. Please contact the company directly for information.

Maryland Maryland Joint Insurance Association Address: 3290 N Ridge Road Suite 210 Ellicott City, MD 21043 Phone: (410) 539-6808 Fax: (410) 244-7268 Email: info@mdjia.org Website: mdjia.org Maryland’s FAIR Plan offers Dwelling Property, Homeowners, and Commercial Property coverages. Dwellings are written on form DP 00 01 and Homeowners are written on the HO 00 02, HO 00 04, HO 00 06, and HO 00 08 forms. There is a Coverage A Dwelling limit of $455,000 and Coverage C Contents limit of $228,000. Forms HO 00 02, HO 00 04, and HO 00 06 offer Broad Form Perils coverage, while HO 00 08 offers Limited Perils. The following are ineligible for Homeowners coverage: seasonal dwellings, farm property unless inactive, mobile homes or trailers, vacant or unoccupied property, and properties in the course of construction or major renovation. There is Personal Liability coverage up to $100,000, with options up to $300,000, and Medical Payments to Others for $1,000. Limits for commercial fire policies are $1,500,000. This applies to fire-resistive, masonry, or frame construction. There is no coverage for indirect loss. Policyholders can reduce their cost through higher deductibles, or installing alarm or sprinkler systems. There are optional coverages for Water damage, Liability coverage for family day care providers, Earthquake coverage, Sinkhole coverage, Identity fraud expense coverage, and Refrigerated property coverage. The Dwelling and Commercial policies cover fire or lightning, with the option for extended coverage against windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, and smoke. There is also optional coverage for vandalism and malicious mischief for an additional premium, if the property is not vacant. There is a windstorm or hail deductible required if the property is in Ocean City or within 200 feet of water.

Massachusetts Massachusetts Property Insurance Underwriting Association (MPIUA) Address: Massachusetts Property Insurance Underwriting Association 2 Center Plaza Boston, MA 02108-1904 Phone: (800) 851-8978 Fax: (800) 272-5885 Website: mpiua.com The Massachusetts FAIR Plan offers Dwelling, Homeowners, and Commercial Property policies. They offer more forms than is typical from other states, offering the DP 00 01 Basic Form, DP 00 02 Broad Form, and DP 00 03 Special Form. They also offer the HO 00 03 Special Form and HO 00 05 Comprehensive Form, in addition to the typical HO 00 02, HO 00 04, and HO 00 06. One to four unit dwellings are eligible for the Dwelling forms, and for HO 00 02, HO 00 03, and HO 00 05. The maximum limit for the dwelling forms is $1 million for single interest, or $1.5 million total for multiple interests in one building, including contents. The maximum limit for homeowners forms is $1 million. The base deductible is $250 for habitational properties and $500 for commercial. There is a mandatory Named Storm deductible. Commercial property is written on form CP 00 99, which includes buildings or 5 or more apartments or condominiums. The maximum limit is $1 million for single interest or $1.5 million for multiple interest building and content coverage. The coinsurance requirements are generally 80% or more of replacement cost. Optional deductibles are available for both personal and commercial properties.

Michigan Michigan Basic Property Insurance Association Address: Michigan Basic Property Insurance Association 27555 Farmington Road Suite 315 Farmington Hills, MI 48334 Phone: (313) 877-7400 Fax: (313) 568-4773 Email: Policy@mbpia.com Website: mbpia.com The Michigan FAIR Plan uses AAIS forms and offers Homeowners, Dwelling, and Commercial programs. Owner-occupied homes may be written on AAIS Forms 2 or 3 for replacement cost, or Form 2 for repair cost. Forms 4 and 6 are available for renters and condominium unit owners, respectively. All forms are also available on an actual cash value basis. Dwellings are written on AAIS DP 00 01 Basic Form. The homeowners form offers liability coverage ranging from $100,000 to $300,000, and Medical Payments for $1,000 per person and $25,000 per accident. Deductibles range from $100 to $5,000 for the homeowner forms, and $250 to $2,500 on the dwelling form. Optional endorsements include: Dwelling Under Construction, limited Water Damage, and Office; Professional, Private School, or Studio Occupancy

Minnesota Minnesota FAIR Plan Address: 7900 International Drive Suite 625 Bloomington, MN 55425 Phone: (612) 338-7584 Fax: (612) 338-4543 Website: mnfairplan.org The Minnesota FAIR plan offers Dwelling fire, Mobile home, Homeowners, Commercial fire, and Farm fire policies. The dwelling fire policy is eligible for dwellings of 1-4 families. There is a maximum limit of $500,000. Farms or any other property with livestock, and commercially used buildings are ineligible. All applicants must have been canceled, nonrenewed, or otherwise unable to obtain coverage from the private market. Mobile home coverage is available, but must be attached to a permanent foundation, or be permanently tied down to qualify. Farms or any other property with livestock, and commercially used buildings are ineligible. Homeowners coverage is available for owner occupied residences, and must be 1-2 families. The property must be the primary residence of the policyholder; seasonal property does not qualify. Farms or any other property with livestock, and commercially used buildings are ineligible. There is a maximum limit of $500,000. The Commercial Fire policy has a limit of $1.5 million per building for non-manufacturing risks, and a limit of $400,000 for manufacturing risks. For restaurants valued over $200,000, they must have a working and properly maintained sprinkler system. For restaurants valued under $200,000, they must have a working and properly maintained ANSUL fire suppression system. The Farm Fire policy does not provide coverage for livestock, farm liability, or growing crops, trees, lawns, or shrubs.

Mississippi Mississippi Residential Property Insurance Underwriting Association (MRPIUA) Address: 6455 Wirtz Road Flowood, MS 39232 Mailing address: P.O. Box 5389 Jackson, MS 39296-5389 Phone: 601-981-2915 Email: mrpiua@msplans.com Website: msplans.com/mrpiua The Mississippi FAIR plan offers coverage for 1-2 family residential dwellings, and dwelling builders’ risk. Perils insured against include fire and extended coverage. Policies are written only for actual cash value, and the maximum limit is $200,000 on the dwelling, and $75,000 on the contents. There is a deductible of $1,000 which applies to all claims. There is no coverage for liability, theft or vandalism, or for vacant dwellings. Windstorm and hail coverages are excluded from certain areas, but can be purchased from the Mississippi Windstorm Underwriting Association. There is coverage available for mobile homes, with anchoring requirements.

Missouri Missouri FAIR Plan Address: 11116 S Towne Square Suite 303 St. Louis, MO 63123 Phone: (800) 392-7240 or (314) 421-0170 Fax: (314) 421-2575 Website: missourifairplan.com The Missouri FAIR plan offers coverage for dwellings, commercial property, farm property, and a standalone sinkhole policy. Dwellings are written on a DP 00 01 form, and are eligible for 1-4 family residences, for both owner and tenant occupied properties. Theft coverage is available for up to $25,000, but only if there is coverage for extended coverage and vandalism coverages included in the policy. The maximum limit for buildings, contents, and theft combined is $200,000. Commercial coverage is written on form CP 00 99, and is eligible for properties with 5 or more families, or used for business purposes. The maximum limit is for all buildings and contents combined at any one location is $1 million. Farm coverage is written using FP 00 12 Farm Property–Farm Dwellings, Appurtenant Structures and Household Personal Property Coverage Form; and FP 00 14 Farm Property–Barns, Outbuildings and Other Farm Structures Coverage Form. To qualify, a property must have farm operations that generate a profit. The maximum limit for buildings and contents at one location is $1 million. There is no coverage for farm equipment, crops, livestock, or liability. A standalone Sinkhole Loss policy is available for dwellings of 1-4 families, written on form MFP-SL-2 Missouri Property Insurance Placement Facility Sinkhole Loss Policy. The maximum limit for buildings and contents is $200,000, and this coverage is available only to the owner of a property.

New Jersey New Jersey Insurance Underwriting Association Address: 570 Broad Street Suite 500 P.O. Box 32609 Newark NJ 07102 Phone: (973) 622-3838 Fax: (973) 297-5032 Website: njiua.org New Jersey’s FAIR plan offers dwelling coverage on forms DP 00 01 12 02 and DP 00 02 12 02 for 1-4 family dwellings. They are on an actual cash value basis, with the DP 00 02 having an option for replacement cost, provided the structure is insured to at least 80% of the calculated replacement cost value. Mobile homes and vacant dwellings are not eligible for the DP 00 02 program, but may be eligible under the DP 00 01 policy. Farm property is not eligible. The maximum limit is $600,000 for real property, and $300,000 for personal property, if the FAIR plan is providing building coverage. If not, the maximum for personal property is $50,000. Theft coverage is available, up to a $20,000 limit. The minimum deductible is $500, with a larger all perils deductible, and a hurricane deductible in listed coastal zip codes ranging from 2 to 5 percent. Coverage for Limited Fungi, Wet or Dry Rot or Bacteria Coverage is available for up to $50,000 for an additional premium. Mandatory mine subsidence coverage is included. Commercial property is written on form CP 00 99. There is an 80 percent coinsurance clause, and mandatory mine subsidence coverage. The maximum coverage available is dependent on the building construction: for fire resistive, $1.1 million per building and $400,000 contents; for ordinary masonry, $750,000 per building and $250,000 contents; and for frame, $500,000 per building and $250,000 contents. The maximum commercial contents limit may be doubled if the insured is the only commercial occupant at the insured location. The maximum coverage per location is $1.5 million. The deductible options are $500 or $1,000. The plan offers Basic Crime Indemnity coverage under forms NJC-59, NJC-50, NJC-51, NJC-52, and NJC58. Maximum limits for residence burglary and robbery is $15,000, storekeeper’s and office is $1,000, mercantile robbery is $1,000 inside or outside and $5,000 when messenger is accompanied by an armed guard, mercantile safe burglary is $5,000, and mercantile open stock is $10,000 or the coinsurance limit, whichever is greater.

New Mexico New Mexico Property Insurance Program Address: 2201 San Pedro NE Building 20 Albuquerque, NM 87110 Phone: (505) 878-9563 Fax: (505) 878-9566 Website: nmpropertyinsurance.com New Mexico’s FAIR plan writes dwelling fire policies on a DP 00 01 07 88, on an actual cash value basis. Owner and tenant occupied residential dwellings are eligible, as well as owners and tenant occupied mobile holes, and contents only. Vacant properties, and properties used for farm and manufacturing purposes are ineligible. The maximum coverage is $225,000 to $350,000, based on fire department protection. The base deductible is $250. Property liability is not available. For dwelling policies, the FAIR plan files their own rates which utilize a Loss Cost Factor that is built into the rate. Commercial policies are written on form CP 00 99 06 07, on an actual cash value basis. Commercial property has a maximum limit of $1 million for building and contents in fire resistive construction. Masonry construction has a limit of $1 million for protected, and $500,000 for unprotected. Frame construction buildings have a limit of $500,000 for protected, and $250,000 for unprotected. Limits may be adjusted if the building is equipped with an approved automatic sprinkler system. The base deductible is $500. Commercial policies are rated on the basis of ISO Class and Specific Loss Costs, which is then applied to the plan’s current Loss Cost Factor of 2.82.

New York New York Property Insurance Underwriting Association (NYPIUA) Address: 80 Pine Street 31st Floor New York, NY 10005 Phone: (212) 208-9700 Fax: (845) 218-3099 Email: fairplan@nypiua.com Website: nypiua.com The New York FAIR plan writes 1-4 family private dwelling buildings on forms DP 00 01 and DP 00 02. DP 00 01 offers basic perils coverage, while DP 00 02 offers coverage for broad perils. The maximum coverage available for occupied buildings is $600,000, and for unoccupied or vacant buildings, $100,000. Personal property in occupied buildings has a limit of $250,000, with no coverage for vacant or unoccupied buildings. The Broad form DP 00 02 is subject to a 2% hurricane deductible for insured properties located in certain areas. Vacant buildings and mobile homes are not eligible for the DP 00 02 form. Commercial property is written on form CP 00 99. The available limits of coverage depend on the construction and materials that make up the building. Fire resistive occupied buildings may be written for $1.2 million, or $1.5 million following loss control inspection, its contents for $300,000 or $625,000 following loss inspection, and $500,000 for vacant or unoccupied buildings. Masonry construction occupied buildings may be written for $750,000, or $1.2 million following loss control inspection, its contents for $250,000 or $500,000 following loss inspection, and $500,000 if vacant. Frame construction buildings are limited to $600,000 if occupied, $100,000 if unoccupied, and its contents for $250,000. Schools have a maximum limit of $1.5 for real property and for personal property, regardless of construction type.

North Carolina North Carolina Joint Underwriting Association - FAIR Plan Address: 751 Corporate Center Drive Suite 200 Raleigh, NC 27607 Mailing address: PO Box 8009 Cary NC 27512 Phone: (919) 821-1299 Fax: (919) 829-1793 Website: ncjua-nciua.org North Carolina’s FAIR plan offers dwelling basic and broad forms DP 00 01 and DP 00 02 for residential properties. They are written on an actual cash value basis, with a replacement cost option for form DP 00 02. DP 00 01 has options for Extended Coverage and Vandalism. The maximum residential limit is $1,00,000, a limit for personal property capped at 40% of the approved building coverage. The deductible is $500 for All Other Peril, with a 1% Named Storm Deductible. Properties vacant for more than 60 days not eligible, with some exceptions. There is coverage for mobile homes and travel trailers, but they must meet tie-down and other requirements. Commercial property is written on form CP 00 99. The maximum commercial limit is $2.5 million per building, capped at $6 million aggregate. If the coverage required exceeds the maximum limit of the FAIR plan, excess coverage must be purchased to the full value of the property prior to the FAIR plan providing primary coverage. There are options for Broad perils coverage, and replacement cost coverage. Residential Crime Insurance is offered for up to $10,000, which provides coverage for burglary, larceny, and robbery. Commercial Crime insurance is offered for only burglary and/or robbery, with a limit of $15,000.

Ohio Ohio FAIR Plan Underwriting Association Mailing address: Ohio FAIR Plan 800 Lyra Drive Suite 150 Columbus OH 43240 Phone: (614) 839-6446 Fax: (614) 839-2882 Website: ohiofairplan.com The Ohio FAIR plan offers coverage to property that meets its underwriting criteria and has been denied coverage by at least two insurance companies. Dwelling fire coverage is available for 1-4 family dwellings under form DP 00 01, as well as Personal Liability Coverage under form DL 24 01, for up to $100,000. Homeowners coverage is available for 1-2 family dwellings that are the owner’s primary residence, and the homeowner forms available are HO 00 08, HO 00 02, HO 00 03, and HO 00 06 and HO 00 04 for renters and condominium unit owners. The maximum limit is $1.5 million. Residential crime coverage is available with form OCR-2, for up to $10,000. Coverage is provided for burglary, robbery, and for damage to the structure during a burglary or robbery. Farm fire coverage is available for dwellings, tools, machinery, crops, contents, farm buildings, and livestock located on an active farm. Forms FL1, FL6, FL402, and FL20 are available. A property is considered a farm if over 50% of the crops, livestock, etc., is produced for sale to others. Commercial property is written on form CP 00 99, and is eligible for commercial non-manufacturing businesses and apartment buildings of 5 or more units. Commercial crime coverage is available through form OCI-C-2, for up to $15,000. Coverage is available for burglary and/or robbery. Residential Crime coverage is available on form OCI-R-2. Limits are $1,000, $3,000, $5,000, $7,000 and $10,000. Coverage is for burglary, robbery, and damage to the structure during either a burglary or robbery.

Oregon Oregon FAIR Plan Association Address: 8705 S.W. Nimbus Ave. Suite 360 Beaverton, OR 97008-7157 Phone: (503) 643-5448 Email: info@orfairplan.com Website: orfairplan.com Oregon’s FAIR Plan offers Dwelling, Farm Dwelling, and Commercial building policies. There is coverage available for fire; extended coverage–windstorm, hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, and volcanic eruption; and vandalism and malicious mischief. Owner or tenant occupied 1-4 family dwellings are written on form DP 00 01 10 04. There is a maximum limit for both building and contents of $600,000, though higher limits are available through the use of special facultative reinsurance. Farm properties are written on form FP 00 12 Farm Dwellings & Appurtenant Structures, which includes coverage for farm buildings, tools, harvested crops, and personal property. Commercial buildings are written on form CP 00 99. Eligible properties include apartment buildings, mercantile, and retail property. The maximum limit for commercial property is $1,000,000, with higher limits available through special facultative reinsurance. All plans are written on an actual cash value basis, with no option for replacement cost. Vacant properties are not eligible. There is no coverage for liability, theft, or water damage.

Pennsylvania Insurance Placement Facility of Pennsylvania Address: 190 North Independence Mall West Suite 301 Philadelphia, PA 19106-1554 Phone: (215) 629-8800 Fax: (215) 409-9100 Email: customerservice@pafairplan.com Website: pafairplan.com The Pennsylvania FAIR plan offers habitational and commercial coverage. Dwellings of 1-4 families can be written on forms DP 00 01 01 09 and DP 00 02 07 11 basic and broad forms. The DP 00 01 01 09 provides coverage for fire and lighting, with options to include extended coverage, and vandalism or malicious mischief. Form DP 00 02 07 11 includes those perils, and some additional covered perils. The maximum limit for building and contents combined for occupied dwellings is $500,000, and for vacant dwellings the limit is $335,000. Farms are not eligible for coverage. Under form DP 00 02 07 11, vacant property, mobile homes, buildings currently under construction, and property with an amount of insurance that is less than 80% of the replacement cost, are not eligible. Commercial property is written on form CP 00 99 04 02. A separate crime coverage is available for robbery and burglary coverage. Residential crime is covered under CR-103-FP and commercial crime is covered under CC-203-FP. Commercial buildings of fire resistive construction including masonry noncombustible construction may be written for up to $1.5 million ($250,000 contents) in a protected location, or $750,000 ($125,000 contents) in unprotected and semi-protected. Buildings of ordinary masonry construction may be written for $1 million ($200,000 contents) in a protected location, or $500,000 ($100,000 contents) in unprotected or semi-protected locations. Frame construction buildings are limited to $500,000 ($100,000 contents) in protected and $250,000 ($50,000 contents) in unprotected or semi-protected areas. Higher limits will be considered after inspection and/or submission of planned rehabilitation. The contents limits may be doubled when an entire location is fully occupied by a single commercial enterprise, though the maximum for any one location is $1,750,000. Limits are reduced when a building is vacant.

Rhode Island Rhode Island Joint Reinsurance Association Address: 2 Center Plaza Boston MA 02108-1904 Phone: (800) 851-8978 Fax: (800) 272-5885 Website: rijra.com Rhode Island’s FAIR plan offers Dwelling Fire, Homeowners, and Commercial Property coverages. One to four unit dwellings can be written on form DP 00 01. The deductible ranges from $100 to $2,500. Dwelling Liability DL-1 is offered for up to $500,000. The maximum limit for single interest building and contents is $750,000. Homeowners forms HO 00 02, HO 00 03, HO 00 05, HO 00 08, HO 00 04, and HO 00 06 are available. All forms are subject to minimum limits as per the ISO manual. The deductible ranges from $100 to $2,500, and depends on the form used. Maximum limits for HO 00 02, HO 00 03, HO 00 05, and HO 00 08 are $1 million coverage A. Contents limits for forms HO 00 04 and HO 00 06 are $50,000. Liability coverage limits up to $500,000 and medical payments up to $5,000 may be written. Forms HO 00 02, HO 00 03, and HO 00 05 require a coinsurance of 80% or more of the replacement cost. Forms HO 00 04 and HO 00 06 are written on an actual cash value basis. Commercial property is written on form CP 00 99, and eligibility includes buildings with 5 or more apartments. The deductible ranges from $250 up to $75,000. The maximum limit for buildings of frame construction is $250,000; for masonry or fire resistive the limit is $500,000. Contents in all construction types are limited to $250,000.

Texas Texas FAIR Plan Association Mailing address: Texas FAIR Plan Association P O Box 99080 Austin, TX 78709-9080 Phone: (512) 505-2200 or (800) 979-6440 Fax: (800) 979-6441 Email: tfpapolicy@twia.org Website: texasfairplan.org Unlike most states who use ISO forms, the Texas FAIR plans offers coverage on their own forms: TFPA Homeowners Policy, TFPA Dwelling Policy, TFPA Condominium Policy, and TFPA Tenant Policy. They cover loss covered by fire and lightning, sudden and accidental damage from smoke, windstorm and hail, explosion, aircraft and vehicles, riot and civil commotion, vandalism and malicious mischief, and all policies other than the dwelling policy cover theft. A dwelling has a maximum limit of $1 million, and personal property for 50% of the dwelling coverage amount, with options for 60 and 70 percent. Liability coverage is available with limits of $100,000 or $300,000. Tenants and condos have a contents maximum limit of $500,000. To be eligible, applicants must have been denied coverage by at least two insurance companies. Eligible properties include 1-2 family residential dwellings, townhouse units, condominium units, and manufactured housing. Ineligible properties include vacant property, farms or ranches used for business, any dwelling occupied for business use, and mobile homes, unless the wheels are removed and the home is tied down. There is no commercial property coverage available.

Virginia Virginia Property Insurance Association Address: 301 Concourse Blvd Suite 190 Glen Allen, VA 23059 Phone: (804) 591-3700 Fax: (804) 591-3736 Email: administration@vpia.com Website: vpia.com Virginia’s FAIR plan uses AAIS forms to provide dwelling and liability coverage, and commercial property coverage. Dwellings are written on basic and broad forms FP-1 (11/11) and FP-2 (11/11). Form FP-1 (11/11) offers coverage for fire, lightning, and explosion, with the option to include windstorm or hail, riot or civil commotion, aircraft, vehicles, smoke, volcanic action, sinkhole collapse, and vandalism. Form FP-2 (11/11) includes all of these, as well as burglary damage, falling objects, weight of ice, accidental tearing apart, accidental discharge of liquids or stream, freezing of plumbing or heating system, and sudden and accidental electrical damage. The maximum limit for any habitational property is $500,000. Eligible properties include 1-4 family dwellings used for residential purposes. Mobile homes are eligible if they are not self-propelled and are permanently situated at a fixed location. Incidental business activities are allowed on the insured premises for a professional office or a small service business where no more than two people work. Personal Liability coverage is available for non-seasonal, owner-occupied dwellings through form FPGL1 (09-05), with a maximum limit of $100,000. Owners may not have dangerous animals, and must provide a handrail on at least one side of a stairway with three or more risers. Limited theft coverage is available for non-seasonal, owner-occupied dwellings through form FP FL-35 (06-04), for up to $5,000. Commercial property is written on FP CL-101 Common Policy Conditions, FP CP-100 Commercial Property Coverage Conditions, and FP CP-12 Building and Personal Property Coverage Part, for up to $1 million for building and personal property at any one location. Other available forms include builders’ risk coverage, and condominium buildings and/or unit coverage. Perils insured against can be CP-80 Fire Perils Part, or CP-82 Basic Perils Part. Eligible property include habitational, mercantile, non-manufacturing, and warehousing properties of certain Class Codes. Ineligible property includes manufacturers and processors, farm operations, and dwellings.

Washington Washington FAIR Plan Address: 2122 164th Street SW Suite 202 Lynnwood, WA 98087 Phone: (425) 745-9808 Email: wafairplan@frontier.com Website: wafairplan.com The Washington FAIR plan provides fire insurance for owner and tenant occupied dwellings, apartment buildings, and commercial structures. Dwellings are written on form DP 00 01, which insures against fire and lightning, with options for extended coverage and vandalism & malicious mischief. Eligible property includes owner or tenant occupied 1-4 family dwellings. Vacant buildings are ineligible for coverage. Commercial property is written on form CP 00 99, which insures against fire, lightning, and explosion, with options for extended coverage, and with vandalism & malicious mischief and sprinkler leakage generally included. The maximum limit for dwelling or commercial property is $1.5 million. Policies are issued only on an actual cash value basis, there is no replacement cost option. There is no coverage for liability or theft.

West Virginia West Virginia Essential Property Association Address: 190 N. Independence Mall West Suite 301 Philadelphia, PA 19106-1554 Phone: (800) 462-4972 Fax: (215) 409-9100 Email: customerservice@pafairplan.com Website: wvfairplan.com West Virginia’s FAIR plan writes habitational property on WV FAIR Plan Dwelling Property Basic Form DP 00 01 FPWV 01 09. There is coverage for fire and lightning, with the option for extended coverage perils. The maximum limit of all property at any one location is $500,000. Mine subsidence coverage is mandatory in certain locations and is maxed at $200,000, which is in addition to the $500,000 maximum. Habitational 1-4 family dwellings have a limit of $150,000 occupied and $100,000 vacant, and for contents $50,000 occupied and $33,000 vacant. Commercial property is written on form CP 00 99. The maximum limit of insurance for any one building and contents cannot exceed $500,000. The limits for a fire-resistive building or contents in a protected area are $500,000 and $325,000, respectively. In an unprotected or semi-protected area the limits for this construction are $400,000 building and $200,000 contents. For ordinary masonry construction the building and contents in a protected area have limits of $400,000 and $250,000, respectively. In an unprotected area, the limits for this construction are $200,000 building and $150,000 contents. A frame building, or contents in a frame building, are limited to $200,000 and $150,000 respectively, in a protected area. In semi- or unprotected areas, the limits are $100,000 and $80,000. The contents limits may be doubled when an entire location is fully occupied by a single commercial entity, but may not exceed the maximum of $500,000.

Wisconsin Wisconsin Insurance Plan Address: 2115 10th Avenue Suite 201 South Milwaukee, Wisconsin 53172 Phone: (414) 291-5353 Fax: (414) 291-5365 Email: help@wisinsplan.com Website: wisinsplan.com Wisconsin’s FAIR plan offers dwelling property, homeowners, and commercial property policies. The homeowners policy is available for 1-2 family owner-occupied residences. The dwelling must have a market value of $350,000 or less. Mobile homes on a permanent foundation are eligible. The dwelling policy is available for 1-4 family owner or non-owned residences. Vacant properties under rehabilitation and seasonal dwellings are eligible. The policy also offers coverage for renter’s personal property, mobile homes on a permanent foundation, and coverage for condominium owners. The dwelling must have a market value of $350,000 or less. The commercial policy provides coverage for commercial buildings, whether occupied or vacant and undergoing active rehabilitation. Business Personal Property coverage is also offered. The combined value of the building and business personal property must have an actual cash value of $500,000 or less.