Questions About Last-Resort Property Insurance and Alternatives.
Common questions about switching from last-resort coverage, packaging coverage with A-rated carriers, and working with our co-operative of independent agencies.
- What is a FAIR Plan?A FAIR Plan is a state-backed 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 paid by the carriers we place coverage with, so getting a quote is free with no obligation.
- What is a DIC (wraparound) policy?A Difference in Conditions (DIC) policy fills the gaps the FAIR Plan doesn't cover — liability, theft, water damage and more.
- Do you handle commercial properties?Yes — we handle apartments, retail, mixed-use and other commercial property risks across California.
Coverage options by state.
FAIR Plans and other residual-market property insurance options vary by state. Select your state to learn what may be available.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Still have questions?
Get a free, no-obligation quote and chat with a licensed agent — usually within 90 seconds.