The FAIR Plan - Delaware

If you live in Delaware and have had trouble getting homeowners or property insurance, the Delaware Fair Access to Insurance Requirements (FAIR) Plan may be able to help. This program gives people a way to get basic property insurance coverage when regular insurance companies won’t insure their home or business—often because it’s considered “high risk.”

The FAIR Plan is managed by the Insurance Placement Facility of Delaware and helps ensure that homeowners have access to essential protection for their property.

What kind of insurance can I get from the Delaware FAIR Plan?

The Delaware FAIR Plan offers two types of insurance coverage:

• Habitational Property plan (for homes): The Habitational Property plan helps protect your home from certain types of damage. Coverage includes damage caused by fire, vandalism, and other events such as windstorms, hail, explosions, smoke, and damage from vehicles or aircraft.

• Commercial Property plan (for businesses): The Delaware FAIR Plan offers basic property insurance for eligible business buildings and commercial properties. Coverage includes damage caused by fire, lightning, explosions, windstorms, hail, smoke, vandalism, and leaking sprinkler systems. It also covers damage caused by aircraft, vehicles, riots or civil commotion, sinkhole collapse, and volcanic action.

Note:Vandalism and sprinkler leak coverage are not available for vacant or unoccupied properties or buildings under construction. The Delaware FAIR Plan also does not cover damage from other causes or losses such as lost income or business interruption.

Am I eligible for this program?

Any person or business that owns or is responsible for property in Delaware may apply for coverage through the Delaware FAIR Plan.

To be eligible, the property must:

• Be located in Delaware

• Be a building at a permanent, fixed location

Note:Vehicles, farms, and vacant buildings are not eligible for coverage.

How do I apply for the Delaware FAIR Plan?

To apply for coverage through the Delaware FAIR Plan, you must complete an application. You can complete and submit an application in one of the following ways:

By mail

To apply by mail, download and print the application that matches the type of coverage you need.

• Dwelling Fire Insurance Application (for homes)

• Commercial Fire Insurance Application (for businesses)

Once you have completed the application, mail it to the Delaware FAIR Plan at:

Insurance Placement Facility of Delaware

190 N. Independence Mall West, Suite 301

Philadelphia, PA 19106

Apply online

To apply for the Delaware FAIR Plan online, complete and submit the online application through the FAIR Plan website.

Note:When applying online, you will need to log in to your account. If you do not have an account, you will need to create one to apply online.

How do I get help?

If you have any questions about the Delaware FAIR Plan or applying, you can get in touch with your agent or contact the Insurance Placement Facility of Delaware by phone at 215-629-8800 or email customerservice@pafairplan.com. They will be able to answer any questions you may have and assist you in obtaining coverage.