Questions About Last-Resort Property Insurance and Alternatives.

Common questions about moving from last-resort coverage, combining available coverages, and working with participating independent insurance agencies.

• What is a FAIR Plan?A FAIR Plan is a state-mandated insurer of last resort for property owners who can't find standard coverage.
• Will I save money switching off a FAIR Plan?It depends on your property and situation. Our agents review each case individually to find the best available option.
• Do you charge a fee?No. We're supported by our agency partners. Connecting with an agent is free with no obligation.
• What is a DIC (wraparound) policy?A Difference in Conditions (DIC) policy fills the gaps a FAIR Plan doesn't cover — liability, theft, water damage and more.
• Do you handle commercial properties?Yes — participating licensed insurance agents handle apartments, retail, mixed-use and other commercial property risks.
• What is an HO-3 insurance policy?An HO-3 is the most common homeowners policy — bundling dwelling, personal property, liability, and loss-of-use coverage in one package.
• Who pays for FAIR Plans?Most FAIR Plans are funded by policyholder premiums, with shortfalls shared by the private insurers licensed in the state — not general tax dollars.