The Kentucky FAIR Plan AAssociation

The Kentucky FAIR Plan was established pursuant to KRS Chapter 304, Subtitle 35. The purpose is to establish and maintain a non-profit residual market mechanism whereby Property Insurance and Casualty Insurance can be made available to all worthy applicants and to distribute equitably the costs, losses, or gains, if any, arising therefrom among all members of the Plan and the related reinsurance association created and existing pursuant to the FAIR Plan Statutes.

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The Kentucky FAIR Plan Association


Revised Coverage A Maximums:

Effective July 1, 2012 the maximum building coverage A is being increased from $150,000 to $200,000. Commercial limits are unchanged. Please refer to the coverage minimums and maximums located in the manuals.


Online Assistance for Producers:

(Click the Producers Tab)

We urge producers to take advantage of the website for:

  • Online quoting: All products offered by the Plan may be quoted.

  • Payment Inquiry: Payment inquiry includes basic policy, payment and claim status.  Your User ID is your FAIR Plan Agency # and your Password is the last 4 digits of your tax ID # or SSN.

  • Online Loss Notice:  We urge you to report loss notices online as this helps our staff provide better service to our policyholders.

  • Online Change Notice:  May be used to request simple policy changes.  Please be aware that additional coverage must be approved by the Underwriter before additional coverage is bound.

  • Online Payments: Policyholders with a checking or savings account now have the ability to pay renewal or installment payments online.

  • Producer Copies of Documents:  Effective 7/1/2012 PDF copies of all policy information sent to the insured will be available online. Click Producer/Payment and Claim Inquiry tabs.




More News...

Kentucky FAIR Plan Producers


The Kentucky FAIR Plan Reinsurance Association has implemented a new policy/claims and producer administration system effective 6/1/17. Click HERE for the new system user guide. Please reference this guide as well as the FAQ document located on the Producers Inquiry to learn more about this new system. The current on-line access available to producers will continue to be available for inquiry on existing policies.

Rate Changes

The Plan has filed and received approval for rate changes for all lines of business. The changes will be effective for both new and renewal policies effective June 1, 2015.
The overall changes are:

  • Dwelling Fire             0.0%
  • Homeowner               0.0%
  • Commercial and
    Farm Fire                   0.0%

The individual rates will vary depending on the territory and protection class.

Refer to the manuals posted on this site.


Continuing Education Class

The Kentucky FAIR Plan has partnered with the Kentucky Automobile Insurance Plan to offer a 2 hour CE webinar course outlining each Plan's policies and procedures. Refer to the "Bulletin" under the "Producers" tab for more information.


New Products

Effective July 1, 2012, the following new policy forms are available.

  • Dwelling Fire DP-2: (ACV) actual cash value loss settlement provision applies.

  • Homeowners HO-2: (ACV) actual cash value loss settlement provision applies and theft is limited to 10% of the contents limit or $5,000.

  • Homeowners HO-4: Maximum contents limit is $25,000 and theft is limited to 10% of the contents limit or $5,000.

  • Homeowners HO-6: (ACV) actual cash value loss settlement provision applies and theft is limited to 10% of the contents limit or $5,000.  Maximum contents limit is $25,000.



1. Welcome! Our goal is to provide easy access to information for resident producers who desire to obtain insurance through the Kentucky FAIR Plan.

2. Our Rules. For our website to function at its best, we have certain terms and conditions that govern its use, and by using this website you agree to be bound by the terms and conditions outlined below.

3. Copyright and Use of Materials. The information and materials on this website are protected under United States copyright laws and are owned by or other third parties. You may download a copy of any of the materials on this site for personal, non-commercial use, provided you do not delete or change any copyright or trademark notice. You must obtain the permission of and in some cases other third parties to make any other use of the materials. You may not distribute, transmit, reuse , report or use the content of this site for public or commercial purposes. You must obtain our permission to create any kind of hyperlink to or framing of this site.

4. System Integrity. You agree to not use any software, scheme or device to interfere or attempt to interfere with the operation of the site.

5. Governing Law. You agree that this User Agreement is governed by the laws of the Commonwealth of Kentucky, excluding any application of conflicts of laws rules or principles. You agree that the sole jurisdiction and venue for any litigation arising from your use of, or purchase of products or services through, our site shall be an appropriate federal or state court located in Franklin County, Kentucky.



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