The FAIR Plan - Indiana

Finding affordable property insurance can be difficult if you have been denied coverage. The Indiana Fair Access to Insurance Requirements (FAIR) Plan helps eligible homeowners get basic property insurance when they cannot find coverage through the regular insurance market. The program helps make sure Indiana residents have access to essential property insurance when other options are not available.

What kind of insurance can I get through the Indiana FAIR Plan?

The Indiana FAIR Plan provides basic dwelling insurance for eligible homeowners and commercial property insurance for eligible business property owners who are unable to get coverage through the regular insurance market. Depending on your policy, coverage may help pay for damage caused by events such as:

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Fire

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Lightning

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Windstorms

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Hail

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Explosions

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Smoke damage

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Vandalism

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Other covered events

The type and amount of coverage available depends on your policy and your property.

Am I eligible for the Indiana FAIR Plan?

You may qualify for the Indiana FAIR Plan if you meet the program requirements. These generally include:

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You have been denied property insurance by at least three licensed insurance companies.

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You do not currently have homeowners or other property insurance.

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Your property is located in Indiana.

Your insurance agent can help determine if you meet the program's eligibility requirements.

How do I apply?

Before you can apply for the Indiana FAIR Plan, you must first be denied property insurance by at least three licensed insurance companies. You can then apply through any licensed insurance agent in Indiana, who can help you complete your application and guide you through the process.

Who can I contact for help?

If you have questions about the Indiana FAIR Plan or need help with your application, contact the Indiana Basic Property Insurance Underwriting Association at al 800-888-8627. A representative can answer your questions and help you understand the application process.