The FAIR Plan - Illinois

If you live in Illinois and have had trouble getting homeowners or property insurance, the Illinois 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.” This helps ensure that Illinois homeowners have access to essential protection for their property. ## What kind of insurance can I get from the Illinois FAIR Plan? The Illinois FAIR Plan provides insurance for homes, buildings, and personal belongings. Coverage may help pay for damage caused by: - Fire and lightning - Wind and hail - Explosions - Smoke - Vehicle or aircraft damage - Vandalism Some Illinois FAIR Plan homeowners policies may also include coverage for burglary, theft, and personal liability. Coverage limits may be available up to: - $750,000 for your home - $375,000 for your personal belongings - $1,000,000 for a commercial property (not including farms or manufacturing properties) ## Am I eligible for this program? Any person or business that owns or is responsible for property in Illinois may apply for the Illinois FAIR Plan. To be eligible for coverage, you must: - Own or be responsible for a property in Illinois - Have tried three times and been unsuccessful at getting insurance elsewhere ## How do I apply for the Illinois FAIR Plan? To apply for the Illinois FAIR Plan, contact an insurance agent. If you do not have one, the [FAIR Plan](https://www.illinoisfairplan.com/)can provide a list of agents in your area. A licensed insurance agent will help you complete the application and submit it for review. ## How do I get help? If you have any questions about the Illinois FAIR Plan or applying for coverage, you can contact the Illinois FAIR Plan Association by calling [312-861-0385](tel:312-861-0385) or by [sending an email](https://www.illinoisfairplan.com/contact.html). They will be able to answer any questions you may have and assist you in obtaining coverage.