The FAIR Plan - Texas

Finding affordable property insurance can be difficult if you have been denied coverage by regular insurance companies. The Texas FAIR Plan provides basic property insurance to eligible homeowners, renters, and business owners who are unable to get coverage through the regular insurance market. The program helps make sure Texans have access to essential property insurance when other options are not available.

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

The Texas FAIR Plan offers basic property insurance for eligible Texas residents who are unable to get coverage through regular insurance companies. The type of policy you receive depends on your needs, such as whether you own a home, rent, or live in a condominium.

Coverage may include:

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Dwelling coverage: Helps pay to repair or rebuild your home and certain structures on your property if they are damaged by a covered event.

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Personal property coverage: Helps cover your belongings, such as furniture, clothing, and appliances.

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Loss of use coverage: May help pay additional living expenses if your home cannot be lived in while repairs are being made.

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Personal liability coverage: Helps protect you if you are responsible for someone else’s injury or property damage.

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Medical payments coverage: Helps pay certain medical expenses if someone is injured on your property.

Texas FAIR Plan policies provide coverage for certain events, such as fire, lightning, windstorm, hail, explosion, smoke damage, vandalism, and other covered losses. Coverage options and limits vary depending on the type of policy you have.

Am I eligible for the Texas FAIR Plan?

To qualify for coverage through the Texas FAIR Plan, you must meet certain requirements. You may qualify if:

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You have been denied property insurance by at least two licensed insurance companies in Texas

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You do not currently have homeowners or other property insurance

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You have not received an offer for similar coverage from another insurance company

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Your property is located in Texas

You may not qualify for Texas FAIR Plan coverage if:

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Your property is unsafe, condemned, or has major damage

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Your property is vacant

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You have certain insurance-related convictions, such as fraud or arson

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You have had more than eight paid insurance claims (not including glass claims) in the past three years

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Your property is a farm, ranch, or used mainly for business purposes

Note: If you receive coverage through the Texas FAIR Plan, you must continue looking for coverage through regular insurance companies. You are required to apply for coverage in the private insurance market every two years.

How do I apply?

To apply for the Texas FAIR Plan, you must first be denied coverage by at least two licensed insurance companies in Texas. The Texas FAIR Plan does not sell policies directly to the public. You must apply through a licensed insurance agent, who can help you complete your application and guide you through the process. Visit the Texas FAIR Plan Association website to find an agent near you and get started.

Who can I contact for help?

If you have questions about the Texas FAIR Plan or need help with your application, contact the Texas FAIR Plan Association by calling 800-979-6440 or send them a message. An agent can answer your questions and guide you through the application process.