Producers

Kentucky FAIR Plan Producers

Lines of Business and Coverage Limits
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)

Inquiry

For policy related documents, to make a payment, or submit a loss, click here.

Loss Notice

Loss Notice

FAQ

Frequently Asked Questions

Coinsurance

Coinsurance in the Residual Market

New Producers

Agents holding an active license in the state of Kentucky may register as a producer for the Kentucky FAIR Plan Reinsurance Association.

Producers have no binding authority and the actions of a producer are deemed to be the actions of the applicant and are not the actions of the Kentucky FAIR Plan. Insofar as the producer is acting as an agent of any party in connection with actions under this or any other section of the Plan, the producer shall be deemed to be the agent of the applicant and not the agent of the Kentucky FAIR Plan. The collection, payment, or acceptance of money by the producer or the Plan does not constitute a binder of coverage.

The mission of the Kentucky FAIR Plan Reinsurance Association is to provide basic Dwelling Fire and Extended Coverage, Commercial Fire, Farm Fire and Homeowners insurance to property owners in the Commonwealth in accordance with the Articles of Association. Any person, firm or corporation desiring insurance coverage who is unable to obtain such coverage directly from an Insurer may apply to the Association through a Producer licensed to do business in Kentucky.

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.

If you have previously written a policy through the Kentucky FAIR Plan and have registered as a producer, it is not necessary to register again on our new system. You will use your existing user ID and password and will then be prompted to create a new password.

CLICK HERE TO LOGIN OR REGISTER

Applications

For all business with a Requested Effective Date of 6/1/17 or later, submit all new business applications electronically via the FAIR Plan’s new system. Please note that the new system requires homeowners, dwelling, farm and commercial applications to be submitted electronically.

If you have not registered as a producer in the new system you must register before applications can be completed.

DWELLING FIRE QUOTES AND APPLICATIONS

HOMEOWNERS QUOTES AND APPLICATIONS

COMMERCIAL FIRE QUOTES AND APPLICATIONS

FARM PROPERTY QUOTES AND APPLICATIONS

Manuals
Dwelling Fire Program

The dwelling fire program is designed for dwellings and/or contents for 1 to 4 family dwellings. The Plan offers both a DP-1 and DP-2 with the following coverage limits for protection classes 1-10.
DP-1 Basic Form. Minimum coverage $1,000 with a maximum of $200,000.
DP-2 Broad Form. Minimum coverage $15,000 with a maximum of $200,000.
Vacant dwellings can only be written under the DP-1 program.
Mobile homes can only be written under the DP-1 program.

Coverage is limited and provided on an actual cash value basis.

Dwelling Fire Program Manual Revised – Effective 07/2024

Homeowners Program

The homeowners program is designed for owner occupied homes. The Plan offers various homeowner products:
HO-8 Modified Coverage Form. Minimum coverage $25,000 with a maximum of $200,000.
HO-2 Broad Form. Minimum coverage $35,000 with a maximum of $200,000.
HO-4 Contents Broad Form. Minimum coverage $5,000 with a maximum of $25,000.
HO-6 Unit-Owners Form. Minimum coverage for building $5,000 with a maximum of $200,000. Minimum coverage for contents of $5,000 with a maximum of $25,000.

Coverage is limited and provided on an actual cash value basis. Theft coverage is limited by endorsement. Refer to the manual for the coverages provided.

Homeowners Program Manual Revised – Effective 07/2024

Commercial Fire and Farm Fire Program

Risks and/or their contents designed for commercial purposes are eligible for coverage up to $1,000,000 per location in fire protection classes 1 through 9 and $250,000 (maximum, aggregate) for protection class 10. Farm exposures are eligible for coverage up to $250,000 in all protection classes. Coverage is limited and provided on an actual cash value basis

Commercial Fire & Farm Fire Manual Revised – Effective 07/2024

Frequently Asked Questions
- What Is The Purpose Of The Kentucky FAIR Plan?
Click here for the Kentucky FAIR Plan facts PDF
+ Do Producers Have Binding Authority?
+ How Do I Register As A Producer?
+ How Do I Complete A Quick Quote?
+ How Do I Convert A Quick Quote To An Application?
+ How Do I Make A Payment?
+ How Do I Submit An Endorsement Request?
+ How Do I Submit A Cancellation Request?
+ How Do I Submit A Claim?
+ How Do I Submit A Rewrite?
+ How Do I Login?
+ How Do I Submit An Application?
+ How Do I Allow Pop-Ups In My Browser?
+ How Do I Complete The Renewal Questionnaire?
+ How Do I Find Commission Statements?