The FAIR Plan - North Carolina

If you live in North Carolina and have had trouble getting homeowners or property insurance, the North Carolina 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 North Carolina Joint Underwriting Association (NCJUA) and helps ensure that homeowners have access to essential protection for their property.

What does the North Carolina FAIR Plan cover?

The North Carolina FAIR Plan offers basic property insurance for homes and businesses. Policies under this plan provide the following coverage:

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Dwelling Fire Covers homes and residential buildings. It protects against damage from fire, lightning, windstorms, and vandalism or intentional damage.

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Commercial Fire Covers business properties. It protects against damage from fire, lightning, wind, and vandalism.

These policies focus on major risks that can cause serious damage to a building. There are limits to how much coverage you can get:

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Residential buildings are covered up to $1,000,000

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Personal belongings are limited to 40% of the building coverage

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Commercial properties are covered up to $2.5 million, with a total limit up to $6 million depending on the building

The FAIR Plan covers most areas in North Carolina, but it does not cover properties on the beach or in coastal areas. These areas are covered by a different program called the Coastal Property Insurance Pool (CPIP), also known as the “Beach Plan.”

Coverage under the Coastal Property Insurance Pool

The Coastal Property Insurance Pool (CPIP) provides insurance for homes and businesses in coastal and beach areas of North Carolina.

It offers several types of coverage:

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Dwelling Fire (Beach areas only)

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Commercial Fire (Beach areas only)

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Homeowners Coverage (Coastal and beach areas)

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Dwelling Windstorm and Hail (Coastal and beach areas)

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Homeowners Windstorm and Hail (Coastal and beach areas)

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Commercial Windstorm and Hail (Coastal and beach areas)

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Crime Coverage (Beach areas only)

These policies help protect against risks like windstorms, hail, fire, lightning, and vandalism. Windstorm coverage is especially important in coastal areas where storms are more common.

Note: The NCJUA FAIR Plan and CPIP do not provide flood insurance. You would need to get flood coverage through the National Flood Insurance Program.

Am I eligible?

You may be eligible for the FAIR Plan if:

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You own a home or property in North Carolina

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You have tried to get insurance from a regular company but were denied

How do I apply?

To apply for the North Carolina FAIR Plan, you need to contact the North Carolina Joint Underwriting Association at 919-821-1299 to speak with an agent. They can walk you through the application, explain your coverage options, and answer any questions you may have.

What if I need help?

If you need help or have questions about the North Carolina FAIR Plan, you can contact the NCJUA by:

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Phone: 919-821-1299

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Online: Visit the “Contact Us” page on the NCJUA website to send a message or chat with an agent

The NCJUA also has an online consumer portal where you can file a claim, view your policy information, and check billing details. To use the portal, you will need to create an account using the email address linked to your policy.