FAIR Plan Frequently Asked Questions
FAIR Plan Consumers FAQ
No. To ensure security for our customers, we will not accept payment via the telephone. We will, however, accept payments via our online payment portal.
The Kentucky FAIR Plan offers a Full Pay; Semi-Annual; Quarterly; 5-Pay; and Mortgagee billed.
Losses can be completed by filling out an electronic loss notice.
The Kentucky FAIR Plan Reinsurance Association offers property insurance to qualified applicants in Kentucky who, through their agent or producer, are unable to secure 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.
The FAIR Plan offers Dwelling Fire, Commercial Fire, Commercial Farm Fire and 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.
Contact any licensed Kentucky producer. The producer will help you decide what coverages are available in the FAIR Plan.
There are reasonable standards that must be met to be insured by the FAIR Plan. Please refer to the Articles of Association.
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.