Kentucky FAIR Plan Reinsurance Association

Who We Are
Bulletins
Contact Us
FAQs
Relevant Links

Click on the question to jump to the answer:

• What is the Kentucky FAIR Plan Reinsurance Association?

• What coverages are offered?

• How do I apply?

• What are the Kentucky FAIR Plan underwriting standards?

Q. What is the Kentucky FAIR Plan Reinsurance Association?

A: The Kentucky FAIR Plan Reinsurance Association offers property insurance to qualified applicants in Kentucky who are unable to buy insurance through the standard insurance market for reasons beyond their control. The FAIR Plan may be an answer for responsible property owners or homeowners who are having a problem obtaining property insurance in the standard market.

Q. What coverages are offered?

A: The FAIR Plan offers Dwelling Fire, Commercial Fire, Commercial Farm Fire and basic Homeowners coverage for property owners . They provide protection against loss from such hazards as fire, lightning, wind, hail, explosion, smoke, vehicles, aircraft, and vandalism and malicious mischief. The FAIR Plan Homeowners policy also protects against all these as well as limited theft and personal liability coverage.

This is not meant to provide an explanation of coverages as they vary depending on the options selected. Please consult the policy forms for coverage details.

Q. How do I apply?

A: Contact any licensed Kentucky producer. The producer will help you decide what coverages are available in the FAIR Plan.

Q. What are the Kentucky FAIR Plan underwriting standards?

A: There are reasonable standards that must be met to be insured by the FAIR Plan. Please refer to the Articles of Association, Article VI, Section 4.

Disclaimer:

The information contained here is a general summary of the programs offered by the Kentucky FAIR Plan Reinsurance Association. The insured's legal rights are determined by the insurance policy and Kentucky Revised Statutes, not by the contents of this website. Underwriting rules, rates and standards are subject to change.