Kentucky FAIR Plan Producers

Dwelling Fire

$200,000 Maximum Building Limit

  • DP-1 and DP-2 with optional Extended Coverage and Vandalism and Malicious Mischief, on actual cash value (ACV) basis.
  • Owner/Non Owner Seasonal/Vacant
  • Fixed Mobile Homes

Commercial Property

$1,000,000 Maximum Limit (Prot. Class 1-9) on actual cash value (ACV) basis

  • $250,000 maximum, aggregate limit (Prot. Class 10)
  • Apartment
  • Mercantile
  • Service

Homeowners

$200,000 Maximum Building Limit

  • HO-2, HO-6 and HO-8
  • Actual cash value (ACV) basis
  • $100,000 Personal Liability
  • $1,000 Medical Payments
  • Owner occupied only

$25,000 Contents Limit

  • HO-4
  • Actual cash value (ACV) basis
  • $100,000 Personal Liability
  • $1,000 Medical Payments

Farm Fire

$250,000 Maximum, Aggregate Limit*

  • Actual cash value (ACV) basis
  • Farm Dwellings
  • Barn or Stables
  • Outbuildings
  • Silos

*(Single buildings, ie. farm dwellings, are limited to $150,000 and this does not increase the $250,000 aggregate)