The FAIR Plan - New Jersey

If you live in New Jersey and have had trouble getting homeowners or property insurance, the New Jersey 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 New Jersey Insurance Underwriting Association and helps ensure that homeowners have access to essential protection for their property.

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

The New Jersey FAIR Plan can insure homes, mobile homes, rental properties, commercial buildings, and business property. It provides basic property coverage and optional theft coverage, but it does not include personal liability coverage.

The FAIR Plan may cover damage caused by:

• Fire and lightning

• Explosions

• Wind and hail

• Smoke

• Aircraft or vehicle damage

• Riots or civil disturbances

• Vandalism or malicious mischief

• Mine subsidence (damage caused by underground mining activity)

The FAIR Plan does not cover:

• Flood damage

• Water damage from plumbing leaks or similar causes

• Building collapse

• Personal liability claims

Properties that do not qualify

Some properties cannot be insured through the FAIR Plan, including:

• Automobiles

• Farm property

• Properties with unpaid property taxes for six months or longer

• Vacant buildings

• Buildings that are unsafe, badly damaged, at risk of collapse, or have been condemned

• Buildings used to store flammable materials

• Properties that do not have basic services such as heat, water, or sewer service

• Properties with serious health or safety hazards that have not been fixed

• Properties being used for illegal activities, such as drug sales

• Properties that are not reasonably protected from fire or arson risks

Note: A property may also be denied coverage if the owner has been convicted of arson or insurance fraud involving a fire.

Am I eligible for this program?

Any person or business that owns or is responsible for property in New Jersey may apply for the New Jersey FAIR Plan. To be eligible for coverage, you must:

• Own or be responsible for a property in New Jersey

• Be unable to get property insurance through regular insurance companies

How do I apply for the New Jersey FAIR Plan?

To apply for coverage through the New Jersey FAIR Plan, you can apply for the New Jersey FAIR Plan yourself or have an insurance agent submit an application for you.

If you want to apply on your own, you can download and print a paper FAIR Plan application here:

• New Jersey Dwelling Fire Application

When submitting your own application, you must also complete and sign a Direct Authorization form.

After you complete the application and Direct Authorization form, send them to the New Jersey FAIR Plan at:

570 Broad St.

P.O. Box 32609

Newark, New Jersey 07102

How do I get help?

If you have any questions about the New Jersey FAIR Plan or applying for coverage, you can get in touch with your insurance agent or contact the New Jersey Insurance Underwriting Association at 973-622-3838. They will be able to answer any questions you may have and assist you in obtaining coverage.