The FAIR Plan - Kansas

If you live in Kansas and have had trouble getting homeowners or property insurance, the Kansas 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 Kansas All-Industry Placement Facility and helps ensure that homeowners have access to essential protection for their property.

What does the Kansas FAIR Plan cover?

The Kansas FAIR Plan offers basic property insurance for homeowners and renters.

A homeowner’sinsurance policy usually includes:

• Dwelling – Covers damage to your home and other structures, like a garage or shed, from events like fire, wind, or vandalism

• Contents – Covers personal belongings, such as furniture, clothing, and other items

• Additional Living Expenses – Helps pay for temporary housing, food, and other costs if you can’t stay in your home

• Liability – Protects you if you or a family member accidentally injure someone or damage their property

• Medical Payments – Helps pay medical bills if someone is injured on your property

A renter’sinsurance policy typically covers all of the above except dwelling coverage.

Note: The amount of coverage you receive depends on your policy and the assessed value of your home and personal belongings. Some things like liability and medical coverage may not be included in your policy.

Am I eligible?

You may be eligible for the FAIR Plan if:

• You are a homeowner or renter in Kansas

• You have been denied coverage by three insurance companies

• You pass a property inspection

How do I apply?

You can apply to the Kansas FAIR Plan by contacting any insurance agent who sells property insurance in the state. Tell them you have been denied insurance coverage and would like to apply for the FAIR Plan. They will be able to answer questions and help you complete an application.

What if I need help?

If you need assistance finding an agent or have questions about the Kansas FAIR Plan, help is available. You can:

• Contact the Kansas All-Industry Placement Facility by calling 785-271-2300 or emailing customerservice@ksfairplan.com

• Call the Kansas Department of Insurance at 785-296-3071 or chat with an agent online by visiting their website and clicking “Chat” on the lower left-hand side of the screen.