May 26, 2017
State-by-State Summary of Coverages
Summary: FAIR plans were devised as a way to enable residents and businesses in urban areas to have access to insurance. FAIR plans came into being as early as 1960 to enable those with the greatest exposure to fire to purchase insurance. Initially, the only coverages offered were fire, extended coverage, and sometimes vandalism and malicious mischief. Today, coverages offered by different states range from very basic fire to open perils homeowners. Following is a brief description of the coverages available from each state with a FAIR plan.
For information on the dwellings forms used in the states’ FAIR plans, see ISO Dwelling Program Introduction; see ISO Dwelling Property Forms’ Coverages; and see Personal Liability Supplement.
Homeowners forms are discussed in detail in the Dwellings section, but for information on the most widely used form, see Homeowners Form HO 00 08. Also, see Property Coverages—AAIS Homeowners. For a discussion of the most widely used commercial form, see ISO Standard Property Policy. Also, see AAIS Commercial Property Program. Links to forms within the article are to the current edition of the form; the plans did not state which edition date was being used, so you should verify which form is correct.
Many states recognized years ago that the high frequency of fire losses in urban areas made it difficult to find property coverage. The earliest such plan originated in Boston in 1960. Other states followed suit, so that by 1967 there were similar plans in California, Delaware, Illinois, Kansas, Louisiana, Massachusetts, Michigan, Minnesota, North Carolina, New York, Ohio, and Pennsylvania.
Following the urban riots in the late 1960s, the National Advisory Panel on Insurance in Riot-Affected Areas recommended to the National Commission on Civil Disorders (the Kerner Commission) that because insurance was a necessity for residents and businesses in affected areas, all states should initiate programs to provide at least minimal property coverage in urban areas. Thus, many FAIR plans originated in 1968, when Congress established the National Insurance Development Program to offer riot reinsurance.
Today, although FAIR plans exist to provide coverage primarily in urban areas, some provide coverage in other areas that standard insurers do not wish to cover. For example, although the California FAIR plan primarily writes in urban areas, it also was created because of the brush fire hazard in that state.
FAIR plans are industry-sponsored and should be considered insurers of last resort. For this reason, rates are never less than those in standard markets. States have no wish to compete with standard insurers.
The coverages offered vary widely between the states. Some offer only a basic dwelling fire policy with optional extended coverage (EC; that is, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, and volcanic eruption) and vandalism and malicious mischief, while others offer standard homeowners coverage (although few endorsements are available) to eligible applicants. Commercial property generally is written on a basic coverage form. Some states will write personal liability coverage, while others do not. At present, the only state to write commercial liability is California, which will allow BOP forms BP 00 01 01 97 and BP 00 06 01 97.
Although it appears sometimes that FAIR plans will accept all property no matter what, this is not the case. Georgia, for example, will not write a homeowners policy (remember, a homeowners policy includes liability coverage) if junked cars or refrigerators are in the yard, or the steps or porch of the residence are faulty, or if the insured keeps dangerous animals. In Illinois, poor physical condition, poor housekeeping, nonowner-occupied with no smoke detector, or inadequate or defective heating, wiring, or plumbing will disqualify a risk. Delaware requires properties to be reasonably well maintained with windows and doors intact and wiring in good condition.
Generally, states require photos and a down payment to accompany an application before coverage can be considered. Although agents must be licensed with the state to make an application for coverage, they cannot bind coverage. Sometimes states will inspect properties and make recommendations as to insurability. States can cancel policies, but usually the reasons are limited to nonpayment, claims frequency, or increased hazard. Often, a letter accompanies the cancellation advising the insured as to how the problems leading to cancellation can be corrected. Renewals are not always automatic; many times an agent must forward a request for renewal. For additional information, contact states directly.
Address: California FAIR Plan Association, 3435 Wilshire Boulevard, Suite 1200, Los Angeles, CA 90010 (or P.O. Box 76924, Los Angeles, CA 90076-0924). Phone: 213-487-0111 or 800-339-4099; fax: 213-252-9211. Web: http://www.cfpnet.com.
Residential properties (1-4 units) are written on a basic dwelling policy. Vacant properties may be written under certain circumstances. Extended coverage (wind or hail, aircraft, riot, vehicle, explosion, volcanic eruption, and smoke) and vandalism and malicious mischief may be added by endorsement. Replacement cost coverage is available by endorsement for qualified properties, but not for personal property. The maximum available for structure, personal property, other structures, and any allowable endorsements is $1.5 million at any one location. No personal liability coverage is available.
Commercial property includes residential property of five or more units. The maximum limit is $3 million for a structure, and $1.5 million for all other coverages. Business personal property may be covered up to $5 million if there is a 24-hour guard service, and up to $10 million if, in addition to the guard, there is an approved operating sprinkler system. Buildings in the course of construction may be written using ISO manual rules.
Businessowners policies (BOP) may be written for eligible classes of businesses. The ISO standard BP 00 01 and BP 00 06 (liability) may be written for a maximum of $2 million for the structure, $1 million for contents. Business income (actual loss sustained) is included.
Address: Connecticut FAIR Plan, 77 Hartland Street, Suite 308, East Hartford, CT 06128-0200 (or P. O. Box 280200, East Hartford, CT 06128-0200). Phone: 860-528-9546; fax: 860-282-0070. Web: http://www.ctfairplan.com.
The Connecticut Plan was established in 1968 to provide property insurance regardless of the environmental conditions that might affect a standard insurer’s ability to offer coverage.
Eligible property includes residential (one to four units, row houses, tenant-occupied property, and condos) and commercial (five or more residential units, mercantile, or manufacturing). Vacant property in the name of an estate or under major renovation may be written for limited coverage. Personal liability coverage is available. Builder’s risk under construction are written on a completed value basis, and contracts and letters of intent must be provided.
Habitational property is written on ISO form DP 00 01 07 14. Note: this links to the current DP form; Connecticut does not state which edition of the form is being used. The maximum for any one piece of property is $350,000; the limit for personal property is $75,000. The base deductible is $250. All liability coverage is subject to a lead exclusion except for one family owner-occupied dwellings. The maximum for personal liability is $300,000.
Commercial property is written on ISO form CP 00 99 10 12. Again, this is the current edition of the form; Connecticut does not indicate which edition is being used. The base deductible is $500; coinsurance is 80 percent, 90 percent, or flat. No more than $1.5 million is allowed for any one given risk.
An animal liability exclusion endorsement excludes coverage for any animal that has bitten in the past and is still on the property.
Address: Insurance Placement Facility of Delaware, 190 N. Independence Mall West, Suite 301, Philadelphia, Pennsylvania 19106-3698. Phone: 800-462-4972 or 215-629-8800; fax: 215-409-9100. Web: http://www.defairplan.com.
Habitational property is written on an ISO dwelling form (DP 00 01), which includes fire, lightning, internal explosion, wind, hail, falling aircraft, vehicles, smoke, explosion, volcanic eruption, vandalism and malicious mischief. . One to four family dwellings are eligible. Although the limit for all insurable property at any one location is $1 million, the limit for owner-occupied dwellings purchased within six months of submitting the application is $500,000, or a maximum of 200 percent of the purchase price. Contents are limited to $50,000. Vacant or unoccupied property is limited to $335,000. Tenant-occupied dwellings are limited to not more than 125 percent of purchase price; higher amounts may be considered with proof of rehab or renovation. Higher limits for both building and contents are available for fire resistive/masonry noncombustible construction. A hurricane deductible of $2000 is mandatory in the following areas:
19930 Bethany Beach; 19970 Oceanview/Millview; 19944 Fenwick Beach; 19971 Rehobeth & Dewey Beaches; 19958 Lewes
Commercial property is written on ISO form CP 00 99. Perils include fire, lightning, explosion, windstorm, hail, smoke, aircraft, vehicles, riot, civil commotion, sinkhole collapse, volcanic action, vandalism, and sprinkler leakage. Vandalism and sprinkler leakage are not available on fully vacant or unoccupied properties, or builder’s risk. The amounts of coverage allowable for both building and business personal property vary as a function of protection and construction. For example, a fire-resistive building in a protected class may be written for up to $750,000, while the same construction in an unprotected or semi-protected class may be written for no more than $375,000.
Postal Address: District of Columbia Property Insurance Facility, 3290 N. Ridge Road, Ellicott City, Md. 21043. Physical Address: South Building, Suite 900,601 Pennsylvania Avenue NW, Washington, DC 20004. Phone: 800-492-5670; fax: 410-244-7268. Web: http://www.dcpif.org
The residential property forms in use are the ISO DP 00 01 and HO 00 02, HO 00 04, HO 00 06, and HO 00 08. Under the DP 00 01 extended coverage may be added; vandalism and malicious mischief coverage is only available for occupied buildings. No personal liability coverage is available. The maximum limit for all property—real and personal—at any one location is $1.5 million. Under the homeowner forms the maximum limit for coverage A is $455,000 and coverage C is $227,500.
Commercial property may be written on ISO CP 00 99 10 12. The maximum limit for all property, real and personal, 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.
Address: Citizens Property Insurance Corporation, 101 North Monroe Street, Suite 1000, Tallahassee, FL 32301. Phone: 850-513-3700; fax: 850-513-3900. Web: http://www.citizensfla.com.
Citizens Property Insurance Corporation marks the merger of the Residential Property and Casualty Joint Underwriting Association and the Windstorm Underwriting Association. The focus is primarily on residential property.
Coverage for owner-occupied dwellings may be written on an HO 00 03 05 11, a HO 00 08, a DP 00 01, or a DP 00 03 07 14. Personal liability is included on the HO 00 03 and may be added to the DP 00 01 or DP 00 03. Tenant homeowners and condominium owners coverage is available. Mobile homes may be written on an HO 00 03 or DP 00 01; mobile home tenants may be covered on an HO 00 04 05 11.
Homeowners and dwelling fire may be written up to $1 million; $2 million is available in certain areas with wind coverage. Mobile homes may be written up to $250,000; an HO 00 04 may be written up to $100,000; and an HO 00 06 HO 00 06 05 11 up to $200,000.
Commercial property coverage is generally available only for property that is primarily residential in nature, such as a condominium building or a multi-unit apartment building. Common elements of homeowners associations (such as club houses) may also be written. Less than 25 percent mercantile occupancy is allowed in any building.
The minimum limit for commercial coverage is $50,000 per building. There is no maximum limit. Coverage must be written at a minimum of 80 percent replacement or actual cash value coinsurance. Ninety and 100 percent coinsurance is available. The form used is the ISO CP 00 10 10 12 with CP 10 10 10 12 basic form causes of loss.
Wind only policies are available in certain areas when all requirements are met. These policies provide coverage for damage from hail and wind storms, such as hurricanes and other tropical storms.
Address: Georgia Underwriting Association, 3355 Annandale Lane Suite 3, Suwanee, GA 30024-2100 Phone: 770-923-7431; fax: 770-717-8620. Web: http://www.georgiaunderwriting.com.
Georgia’s FAIR Plan is quite extensive, providing standard fire, homeowners including mobile home, and crime coverage.
A standard fire policy (DP 00 01) with extended coverage and vandalism and malicious mischief may be written on habitational or commercial property with a two million dollar maximum limit. The maximum limit on any complex or inter-related multiple set of buildings is $20 million in the aggregate and $2 million for each building. Builders risk coverage on risks under construction or complete rehabilitation may be written. Limits in excess of these amounts, up to two million dollars are individually considered.
ISO form DP 00 01 or form HO 00 08 05 11 are the forms used to insure homeowners. Personal liability ($20,000) coverage may be added to the dwelling fire policy for additional premium. Personal liability ($100,000) and medical payments ($1,000) are included on the HO 00 08. Water damage of $20,000 may be added to either policy for $100 additional premium. Theft coverage may be increased up to $5,000. Optional replacement cost for both dwelling and contents is available to eligible homeowners.
Mobile homes are written on a DP 00 01; extended coverage and vandalism and malicious mischief may be added. Habitational mobile homes may be written up to $500,000; commercial up to $1 million. Mobile homes and offices are subject to strict tie-down requirements.
Commercial properties are also written on an ISO CP 00 99 form. Coverage may be written on habitational or commercial property with a $2 million maximum limit. The maximum limit on any complex or inter-related multiple set of buildings is $20 million in the aggregate and $2 million for each building.
Crime coverage—burglary and robbery, including damage done to property during a burglary or robbery—is available for habitational risks (limited to $10,000) and commercial risks (limited to $15,000).
Address: Hawaii Property Insurance Association, P. O. Box 1520, Honolulu, HI 96806-1520. Phone: 808-564-8111. http://www.hpiainfo.com/
Residential property is written on a DP 00 02 07 88, an HO 00 02 04 91, HO 00 04, or an HO 00 06. Note that Hawaii is intentionally using older editions of the forms. The maximum limit for a DP 00 02 is $250,000; $25,000 contents. An HO 00 02 may be written with coverage A limits of $250,000; an HO 00 04 and HO 00 06, for $25,000.
The Hawaii FAIR plan does not offer commercial or crime coverage.
Address: Illinois FAIR Plan Association, P. O. Box 81469, Chicago, IL 60681-0469. Phone: 312-861-0385; fax: 312-861-0485. Web: http://www.illinoisfairplan.com.
The Illinois FAIR Plan offers habitational coverage and commercial fire coverage. Homeowners (owner-occupied one to four family dwellings) coverage may be written on a dwelling fire form (DP 1, 2002 edition) or on homeowners forms HO-2, HO-3, HO-8, HO-4, or HO-6 (ISO 2000 editions). The DP-1 is also used to insure mobile homes and nonowner occupied one to four family dwellings.
Farm dwellings and private passenger garages used in conjunction with insured dwellings may be written on a DP-1. The homeowners forms include liability and medical payments coverage for $100,000/$1,000 or $300,000/$2,000.
Commercial property, including apartments with five or more units, is written on ISO standard property form CP 00 99.
The limit available for forms DP-1, HO-2, HO-3, and HO-8 is $750,000. The maximum for an HO-4 or HO-6 is $375,000. Commercial risks, including apartment buildings containing five or more apartments are limited to $1 million per building, and no more than $3 million at any one location.
Address: Indiana Basic Property Insurance Underwriting Association, 3502 Woodview Trace, Suite 100, Indianapolis, IN 46268. Applications and premiums should be sent to PO Box 6457 – Dept #283, Indianapolis, IN 46206. Phone: 317-264-2310; fax: 317-264-2313. Web: http://www.indianafairplan.com.
Basic dwelling coverage provided by the Indiana FAIR Plan is that written on a DP-1, ISO 2002 edition. A single building of from one to four family units may be insured for up to $250,000, including personal property. Mobile homes may be written on a DP-1. Earthquake coverage, on-premises theft ($10,000), and personal liability and medical payment coverages ($100,000/1,000) are available. Liability and theft is no long available on a DP-1. They are only available on a homeowners form.
As of 2015, homeowners forms HO-2 and HO-8 have been added as available coverages, as has DP-2. Replacement cost is not an option, and owner occupied dwellings are eligible for homeowners policies at renewal. Homeowners forms are available only to owner occupied applicants that meet underwriting criteria. Vacant unoccupied properties are not eligible for any coverage, unless actively under the work of a contractor and will be occupied within 90 days.
Commercial property is written on ISO form CP 00 99, edition. The maximum available for both building and personal property is $1 million. Eighty percent coinsurance is required. The farm property limits are $250,000 aggregate with the maximum of $100,000 per building. All properties, whether personal or commercial, are subject to internal and external inspections.
Address: Iowa FAIR Plan Association, 2700 Westown Pkwy Ste 415, West Des Moines, IA 50266-1431. Phone: 515-255-9531; fax: 515-255-6549. Web: http://www.iowafairplan.com.
Iowa uses the ISO DP 00 01 07 88 to write residential (one to four family) property or contents coverage. Although extended coverage and vandalism and malicious mischief are available, vandalism coverage may only be purchased for owner-occupied dwellings. The maximum available at any one location is $250,000 for both dwelling and contents. Vacant property is not eligible. Endorsements for special provisions, limited fungi, wet or dry rot, and additional insured are available, as well as a water exclusion.
Homeowners property is written on the ISO HO 00 08 for owner-occupied single family homes with a notice of rejection, non-renewal or cancellation from an insurer within the past six months. Unsafe conditions, certain breeds of dog, ownership of three or more horses are among conditions that will make a property ineligible. Maximum limits are $200,000 with liability coverage available at limits of $50,000 and medical payments available at limits of $1,000. The base deductible is $500.00.
Farm property is written on the ISO FP 00 01; maximum limits are $200,000 with a base deductible of $500.00.
Commercial property is written on ISO form CP 00 99 and must have a notice of rejection, non-renewal or cancellation within the past six months. Vacant property is not eligible. The maximum limit available is $1 million for all building and business personal property at any one location. Coverage amounts greater than $500,000 require approval by the Governing Committee and approval may take longer. The base deductible is $250.00.
Address: Kansas All-Industry Placement Facility, 1115 S.W. Wanamaker Road, Topeka, KS 66604-3808. Phone: 785-271-2300; fax: 785-271-2341. Web: http://www.ksfairplan.com.
Kansas uses AAIS Dwelling Policy Program to write residential property. Extended coverage and vandalism and malicious mischief are available, as is theft coverage. Personal liability coverage may be purchased. The maximum limit of coverage is $400,000 for all property, real and/or personal, at any one location. Liability coverage is available at limits of $100,000 and $200,000 aggregate. Limits of $1,000 are available for medical payments.
Commercial property is also written on AAIS forms. Sprinkler coverage may be added. The limit for building and business personal property is $1 million. The base deductible is $500.00. Exceptions to both personal and commercial forms have been filed for properties covered under the FAIR plan.
Address: 10605 Shelbyville Road, Suite 102, Louisville, KY 40223. Phone: 502-425-9998 or 888-222-7702; fax: 502-425-8237. Web: http://www.kyfairplan.com
The Kentucky FAIR Plan provides dwelling fire coverage for buildings containing one to four units and/or contents. Mobile homes and vacant dwellings may be written on the DP-1 form only. Other properties may be written on the DP-2. Coverage is limited to $200000.
Owner occupied dwellings may be written on an ISO HO 00 02, 04, 06 or 08; the maximum available limit is $200,000. For HO 04 maximum coverage is $25,000 and for HO 06 the maximum coverage is $200,000 for the building, and $25,000 for contents.
Commercial property, including farms, may be insured on ISO CP 00 10 with CP 10 10 basic form attached. The maximum limits available are: for building and personal property in protection classes one to nine, $1 million; in protection class ten, $250,000; for farm property in all protection classes, $250,000.
Mailing Address: Louisiana Citizens Property Insurance Corporations, P. O. Box 60730, New Orleans, LA 70160. Physical Address: 1 Galleria Blvd, Suite 720, Metairie, LA 70001. Phone: 888-568-6455; fax: 504-831-6676. Web: http://www.lacitizens.com.
The Louisiana FAIR Plan allows dwelling fire policies (DP 00 01, 02, or 03) to be written on occupied dwelling properties. Dwellings in the course of construction for an owner occupant may also be written. The maximum amount available is $225,000 for the building and $112,500 for personal property.
Homeowners policies are allowed on property meeting more stringent underwriting requirements. Coverage may be written on an HO 00 02, HO 00 03, HO 00 05, or an HO 00 08 (limited to $350,000). Form HO 00 04 is limited to $175,000. Form HO 00 06 is limited to Coverage A $350,000; Coverage C $175,000.
Personal liability is limited to $300,000, and medical payments, to $1,000.
Commercial property is covered on form CP 00 10 with CP 10 10 basic attached. Form CP 00 20 04 02 builders risk may be purchased. School property is eligible but is subject to the Plan’s acceptance. Commercial property is limited to $2 million for the building and $1 million for business personal property.
Address: Maryland Joint Insurance Association, 3290 N. Ridge Road, Suite 120, Ellicott City, MD 21043. Phone: 410-539-6808; fax: 410-244-7268. http://www.mdjia.org/index.htm
Maryland uses ISO forms DP-1, HO 00 02, HO 00 04, HO 00 06, and HO 00 08. Extended coverage and vandalism and malicious mischief coverage may be purchased. No liability coverage is available with the DP-1. Mobile homes may be covered on the DP-1. The maximum under any form is $455,000 coverage A and $228,000 coverage C.
The CP 00 99 insures commercial property. The maximum for all property at any one location is $1.5 million.
Address: Massachusetts Property Insurance Underwriting Association, Two Center Plaza, Boston, MA 02108-1904. Phone: (in MA) 800-392-6108; (in U.S.) 800-851-8978. Payment address P.O. Box 981030, Boston, MA 02298-1030. Web: http://www.mpiua.com.
ISO’s DP 00 01 may be used to insure buildings (owner-occupied or not) containing one to four units, including contents. The maximum limit is $1 million for a single interest, and $1.5 million for a multiple interest building and contents. Extended coverage and vandalism and malicious mischief may be added. Mobile homes may be written on a DP 00 01. Owner occupied buildings may qualify for ISO homeowners forms. HO 00 02, HO 00 03, and HO 00 05 are used for one to four family buildings; forms HO 00 04 and HO 00 06 for tenant homeowners and condo owners, respectively. The limit of insurance available is $1 million; for section II liability, $500,000 with $5,000 for medical payments. Liability coverage is now available for the dwelling fire policies with the same maximum limits.
ISO form CP 00 99 is used for commercial building and business personal property. Additional coverage may be added. A building may be insured for up to $1 million; multiple interest building and contents, up to $1.5 million. Coverage written on other than market value is subject to coinsurance of 80, 90, or 100 percent coinsurance.
Address: Michigan Basic Property Insurance Association, 3245 E. Jefferson, Detroit, MI 48207-4222. Mailing address: P. O. Box 86, Detroit, MI 48231-0064. Phone: 313-877-7400; fax: 313-568-5377. Web: http://www.mbpia.com.
The Michigan Fair Plan utilizes the AAIS forms. Owner-occupied homes may be written on Form 2 or 3 for replacement cost, or Form 2 for repair cost. Forms 4 and 6 are available for tenant homeowners and condominium unit owners. Form FL-1 is used for dwelling fire coverage. There are no maximum limits other than 100 percent of the replacement or the market value of the dwelling. For form 4, the limit is $250,000, and for form 6, the limit is $250,000. Liability coverage is limited to $100,000, but may be increased. Medical payments may be written for $1,000 to $25,000.
Dwelling fire coverage may be written on buildings housing one to four families. The limit is $200,000.
Commercial fire coverage is written on form CP 12 building and personal property coverage part with CP 82 basic perils attached. The maximum available for frame construction is $500,000 building and $150,000 contents; for masonry construction, $1.5 million building and $500,000 contents; and for fire resistive construction, $2 million building and $1 million contents.
Minnesota
Address: Minnesota FAIR Plan, 1128 Harmon Pl. Suite 311, Minneapolis, MN 55403-2041. Phone: 612-338-7584 within Twin Cities; 800-524-1640 all other areas. Fax: 612-338-4543. Web: http://www.mnfairplan.org.
The Minnesota FAIR plan offers a DP 00 01, which may be written on buildings containing one to four units, owner or nonowner occupied, vacant, or seasonal. The only homeowners form is the HO 00 08, written on an actual cash value basis. Forms HO 00 04 and HO 00 06 are available for tenants and condo owners. Dwelling home and contents limits cannot exceed $500,000. Liability is limited to $100,000, with $1,000 medical payments. Theft coverage on the HO 00 08 is limited to $1,000. Although there are no limits for coverage, the applicant must justify the requested limits through use of a costimator.
Commercial property is written on ISO CP 00 99, and farm property may be written on form ISO FP 00 10 09 94. Commercial limits are $1.5 million for non-manufacturing risks, $400,000 for manufacturing risks.
Address: Mississippi Residential Property Insurance Underwriting Association, P.O. Box 5389, 6455 Wirtz Road, Flowood, MS 39232. Phone: 601-981-2915. Web: http://www.msplans.com.
This plan was established in 2003, when the legislature expanded the scope of the former Mississippi Rural Risk Underwriting Association to include property in all other protection classes in the state. Coverage for one or two family residences may be written on a DP 00 01. Maximum coverage is $200,000 on the dwelling and $75,000 on contents. All policies contain a $1,000 deductible. Extended coverage does not include windstorm or hail in certain areas, but this may be purchased from the Windstorm Underwriting Association. The maximum amount that may be purchased is $200,000 on a dwelling and $75,000 for personal property.
No commercial coverage is available.
Address: Missouri Property Insurance Placement Facility, 906 Olive Street, Suite 1000, St. Louis, MO 63101. Phone: 314-421-0170; fax: 314-421-2575. Web: http://www.missourifairplan.com
Missouri writes dwelling coverage (one to four units) on a DP 00 01 for owner occupied or tenant occupied dwellings. Extended coverage and vandalism and malicious mischief may be purchased. No liability coverage is available. The maximum for all building and contents property at any one location is $200,000. Theft coverage may be added as a separate item with a $25,000 maximum.
Commercial coverage is written on form CP 00 99 for a maximum of $1 million on all property at any one location.
A standalone Sinkhole Loss policy is available for dwellings. Properties must be owner occupied.
Farm coverage is written using forms FP 0012 and FP 00 14. The maximum limit is $1 million for all buildings and contents at one location. No coverage is provided for equipment, livestock, crops, or liability.
Address: New Jersey Underwriting Association, 744 Broad Street, P.O. Box 32609, Newark, NJ 07102-3881. Phone: 973-622-3838; fax: 973-622-6357. Web: http://www.njiua.org.
New Jersey’s FAIR Plan offers property coverage only. An ISO DP 00 01 or DP 00 02 is used to insure one to four family dwellings and personal property incidental to the occupancy. Property on a DP 00 02 must be insured 80 percent to value. The maximum for real property is $600,000, and for personal property, if the NJUA insures the building, up to 50 percent of the building limit for a maximum of $300,000. If the NJUA does not insure the building, then the limit is a maximum of $50,000 per location for personal property. The maximum insurance at any one location is $900,000. Mine subsidence coverage is mandatory. Coastal areas are subject to mandatory hurricane deductibles ranging from 3 to 5 percent. Theft coverage can be added for owner occupied dwellings up to $20,000.
Commercial property is written on ISO CP 00 99 with 80 percent coinsurance and mandatory mine subsidence. The maximum coverage available is dependent upon 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 contents coverage 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 Association also provides basic crime coverage: residence burglary and robbery, storekeeper’s burglary and robbery, office burglary and robbery, mercantile robbery and safe burglary, and mercantile open stock burglary. The forms used to provide coverage are the NJC-59, NJC-50, NJC-51, NJC-52, NJC58. Maximum limits for residence 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.
Address: 2201 San Pedro, N.E., Building 20, Albuquerque, NM 87110-4155. Phone: 505-878-9563; fax: 505-878-9566. Web: http://www.nmpropertyinsurance.com
New Mexico writes residential property on a DP 00 01 07 88, and commercial property on form CP 00 99 06 07. The limits for residential property are $250,000 for protected and $150,000 for unprotected. These limits are the most for any combination of building and contents at one location.
Commercial property is limited to $1 million for building and contents in fire resistive construction. Masonry construction may be written for up to $1 million building and $500,000 contents (although the maximum combined is $1,000,000). A building of frame construction may be written for up to $500,000; $250,000 contents.
Address: New York Property Insurance Underwriting Association, 100 William Street, New York, New York 10038. Phone: 212-208-9700; fax: 212-344-9879. Web: http://www.nypiua.com.
In New York, an ISO DP 00 01 is used to insure one to four family dwellings and household furnishings for basic perils; DP 00 02 is available 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 is limited to $250,000.
Commercial property, including buildings containing five or more units, is written on ISO form CP 00 99. As is common with many other states, available limits of coverage depend upon construction. Fire resistive occupied buildings may be written for $1.2 with $300,000 contents; vacant or unoccupied buildings for $500,000 (no contents coverage is available). Masonry occupied buildings may be written for $750,000 with $250,000 contents; if unoccupied, they are limited to $300,000. Frame occupied buildings are limited to $600,000 with $250,000 for contents; frame unoccupied buildings are limited to $100,000. Coverage may be increased for those buildings (other than vacant or unoccupied) that are subject to loss control. The limit for structures subject to loss control is $1.5 million for fire resistive and $1.2 million for masonry.
Address: North Carolina Joint Underwriting Association, 5520 Dillard Dr., Suite 180, Cary, NC 27518 (or P.O. Box 8009, Cary, NC 27512). Phone: 919-821-1299; fax: 919-829-1793. Web: http://www.ncjua-nciua.org.
The homeowners forms available are: HO 00 02, HO 00 03, HO 00 08, HO 00 04, and HO 00 06. Residences must be owner-occupied principal residences, nine months out of the year with continuous occupancy. Only certain territories and protection classes are eligible. Replacement cost contents and limited inland marine coverage may be purchased. For policies HO 00 02 and HO 00 03 maximum property limits are $1 million; HO 00 08′s limit is $300,000; HO 00 06 has a $300,000 limit for contents and HO 00 04 has a $100,000 limit for contents. Liability limits for all policies is $300,000, medical payments are not an option.
The ISO DP 00 01 and DP 00 02 are available for one to four family residences not qualifying for homeowners coverage. The maximum for private residences is $1.5 million. There is no liability coverage in conjunction with the dwelling fire program.
Commercial property is written on CP 00 99. Optional perils coverage may be purchased. Replacement cost coverage may be purchased. The maximum available is $2.5 million for all property at any one location.
North Carolina also offers a crime policy that provides burglary and robbery coverage.
Address: Ohio FAIR Plan, 2500 Corporate Exchange Drive, Suite 250, Columbus, OH 43231. Phone: 614-839-6446; fax: 614-839-2882. Web: http://www.ohiofairplan.com.
Ohio insures property that meets the underwriting criteria and has been denied coverage by at least two insurers. Liability coverage is available as well. Dwelling fire coverage (DP 00 01), dwelling liability coverage (DL 24 01) homeowners coverage (HO 00 02, HO 00 03, and HO 00 08), farm fire coverage (FP 00 12, FP 00 13, FP 00 14, FP 00 90 FP 10 60 causes of loss), and commercial coverage (CP 00 99) are available. Residential (OCI-R-2) and commercial (OCI-C-2) crime coverage may be written.
Ohio does not give maximum limits except for crime coverage but the minimum limits as outlined in the ISO manual are in effect for homeowners and dwelling fire coverage. Residential crime limits are $10,000 and commercial limits are $15,000.
Address: Oregon FAIR Plan Association, 8705 S.W. Nimbus Ave., Suite 360, Beaverton, OR 97008-7157. Phone: 503-643-5448; fax: 503-641-2143. Web: http://www.oregonfairplan.com.
Oregon’s FAIR Plan covers property only. ISO DP 00 01 10 04 is used to insure buildings containing one to four families; the maximum for both building and contents is $300,000, although higher limits are available through facultative reinsurance.
ISO form CP 00 10 02 00 with basic causes of loss form CP 10 10 is used for commercial property. The maximum for both building and contents is $600,000, higher limits are available through facultative reinsurance. Farm coverage is written on ISO FP 10 60 06 00.
Vacant property is not permitted in the Oregon FAIR plan.
Address: Insurance Placement Facility of Pennsylvania, 190 N. Independence Mall West, Suite 301, Philadelphia, PA 19106-1554. Phone: 215-629-8800; fax: 215-409-9100. Web: http://www.pafairplan.com.
Only very basic property insurance may be written through the Pennsylvania Fair plan. A DP 00 01 is used for fire and lightning coverage, and DP 00 02 provides broader perils. CP 00 99 is for commercial property. No liability coverage is available. A separate crime coverage is available for robbery and burglary coverage. Residential crime is covered under CR-101-FP and commercial crime is covered under CC-201-FP.
The combined limit for building and contents of occupied one to four family dwellings is $500,000; vacant or unoccupied buildings are limited to $335,000 combined limits.
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 un- or semi-protected locations. Frame construction buildings are limited to $500,000 ($100,000 contents) in protected and $250,000 ($50,000 contents) in un- or semi-protected areas. Fire-resistive including non-combustible masonry can be covered up to $1.5 million in protected areas, $750,000 in semi-or un-protected areas. Higher limits may be considered. When an entire location is fully occupied by a single insured the contents limit may be doubled, but in no case will an overall limit greater than $1.75 million at any one location be allowed.
Address: Rhode Island Joint Reinsurance Association, Two Center Plaza, Boston, MA 02108-1904. Phone: 800-851-8978; fax: 800-272-5885. Web: http://www.rijra.com.
Rhode Island offers a variety of coverages. A DP 00 01 may be used to insure a dwelling containing one to four families, a mobile home, or contents in a condo unit, an apartment, or a mobile home. The maximum available for building and contents is $500,000. DP 02 and DP 03 are also available.
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. 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.
Commercial property is written on ISO form CP 00 99. There is no minimum limit; for buildings of frame construction the limit is $250,000; for masonry or fire resistive the limit is $500,000. Contents in all construction types are limited to $250,000.
Address: Texas FAIR Plan Association, 5700 S. MoPac Expressway, Building A, Austin, TX 78749. Phone: 800-979-6440. Web: http://www.texasfairplan.org.
The Texas FAIR plan is a recent addition to the list of states having this type of coverage. Currently, the plan offers only two forms for building coverage: the TDP-1 (similar to ISO DP-1) and the HO-A (similar to HO 00 08). A Texas FAIR plan condominium and Texas FAIR plan tenant policy are available. There is no commercial coverage. A dwelling may be written for up to $1 million; tenants and condo policies for $500,000. Liability limits of $100,000 or $300,000 are available; medical payments up to $5,000 may be written.
Address: Virginia Property Insurance Association, 4405 Cox Road, Suite 260, Glenn Allen, VA 23260. Phone: 804-591-3700; fax 804-591-3736. Web: http://www.vpia.com.
Virginia uses the AAIS forms to provide dwelling fire and liability coverage, and commercial property coverage. Basic and broad form fire FP-1 and FP-2 are offered for habitational property (one to four family dwellings); these can be modified to provide coverage for tenant’s improvements and betterments or condo owner’s additions and alterations. The maximum limits are $400,000 for real and personal property at any one location. Personal liability is capped at $100,000.
Commercial property are written on FP CL-101 Common Policy Conditions, FP CP-100 Commercial Property Coverage Conditions, FP CP-12 Building and Personal Property Coverage Part along with various endorsements, may be written for up to $1 million for building and personal property at any one location. The AAIS basic building and personal property coverage part may be modified if the building is a condominium or is under construction. Only fire or basic perils coverage is available. Loss of rents may be included.
Address: West Virginia Essential Property Insurance Association, 190 N. Independence Mall West, Suite 301, Philadelphia, PA 19106-1554. Phone: 800-462-4972 or 215-629-8800; fax: 215-409-9100. Web: http://www.wvfairplan.com.
West Virginia offers “bare bones” coverage. An ISO DP 00 01 for fire and EC only may be issued on habitational property, defined as a one to four family dwelling. No more than $500,000 may be written for all property—real and personal—at any one location, except that owner-occupied property purchased within six months of application is limited to 110 percent of the purchase price. Mine subsidence coverage is maxed at $75,000 and that is in addition to the $500,000 maximum. Tenant-occupied property is limited to no more than the recent purchase price. Household property in any one private dwelling or apartment is limited to $25,000.
An ISO CP 00 99 is used to insure commercial property. 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 such a building 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 $250,000 contents. A building of ordinary masonry construction or contents in such a building in a protected area may be written for $400,000 and $250,000, respectively. A frame building, or contents in a frame building, are limited to $100,000 and $75,000 respectively in a protected area. In semi- or unprotected areas, the limits are $100,000 and $80,000. Although contents limits may be doubled when the entire location is entirely occupied by a single commercial entity, the maximum available is still $500,000.
Address: 600 West Virginia Street, Suite 101, Milwaukee, WI 53204-1552. Phone: 414-291-5353; fax: 414-291-5365. Web: http://www.wisinsplan.com.
Wisconsin’s FAIR plan includes homeowners coverage written on an ISO HO 00 08. Only one or two family owner-occupied residences are eligible. Three or four family residences, condos, tenant’s property, seasonal or secondary dwellings, or vacant residences in the process of being rehabbed must be written on dwelling fire policies. Farm property is not eligible. The maximum limit available for any one residence is $200,000.
An ISO DP 00 01, including EC and vandalism and malicious mischief may be written on eligible property. On-premises theft coverage of personal property may be added. The maximum dwelling fire limit for any one dwelling is $200,000, and $100,000 for personal property in that dwelling.
Commercial property may be insured on ISO CP 00 99. The maximum for building and business personal property is $500,000.
Wisconsin also has a commercial crime program, although the maximum limit for all coverages—robbery and safe burglary-property other than money and securities, robbery and safe burglary-money and securities, premises burglary-property other than money and securities, and premises theft and robbery outside the premises-property other than money and securities—is only $15,000.
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