The short answer
State FAIR Plans (CA, FL Citizens, TX FAIR, LA Citizens, etc.) are state-backed insurers of last resort. Coverage is limited (often fire and basic perils only) and expensive. Pair with a Difference in Conditions (DIC) policy for liability, theft, and water damage.
Frequently asked
- Can I be forced onto a FAIR plan?
- No — but if all standard carriers decline, it may be your only option.
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