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The FAIR Plan - Rhode Island
State
If your property is "high risk" and you cannot get home insurance through private companies, you may be able to get coverage from the Fair Access to Insurance Requirements (FAIR) Plan. The FAIR Plan can provide insurance for your home and the contents of your home, but your property must meet certain guidelines.
About this program
The Rhode Island FAIR Plan, also known as the Rhode Island Joint Reinsurance Association (RIJRA), provides basic property insurance to eligible homeowners, renters, and business owners who cannot get coverage through the regular insurance market.
The Rhode Island FAIR Plan is managed by insurance companies that sell property insurance in the state.
What kind of insurance can I get through the Rhode Island FAIR Plan?
The Rhode Island FAIR Plan offers several types of property insurance, including:
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Dwelling coverage for your home or residential building
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Personal property coverage for belongings such as furniture, clothing, appliances, and other personal items
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Commercial property coverage for buildings and property used for business purposes
Depending on your policy, coverage may help pay for damage caused by:
- Fire or lightning
- Windstorms or hail
- Explosions
- Riots or civil commotion
- Aircraft or vehicle damage
- Smoke
- Volcanic eruptions
- Vandalism or malicious mischief
- Falling objects The weight of ice, snow, or sleet
- Frozen plumbing systems
Am I eligible for the Rhode Island FAIR Plan?
You may qualify if all of the following are true:
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You have been unable to get property insurance through the regular insurance market.
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Your property is located in Rhode Island.
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Your property meets the Rhode Island FAIR Plan's underwriting requirements.
Note: The Rhode Island FAIR Plan does not provide coverage for automobiles or farms.
How do I apply?
You can apply for coverage online through the Rhode Island Joint Reinsurance Association application portal.
If you are a new user, you will need to create an account. If you already have an account, simply sign in to complete and submit your application.
Who can I contact for help?
If you have questions about the Rhode Island FAIR Plan or need help with your application, contact the Rhode Island Joint Reinsurance Association at 800-851-8978. An agent can answer your questions and guide you through the application process.
Categories
Informational only — official eligibility is determined by the administering agency.
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