The FAIR Plan - Georgia

The Fair Access to Insurance Requirements (FAIR) Plan helps people get basic property insurance when they cannot get it from regular insurers. In Georgia, the FAIR Plan is managed by the Georgia Underwriting Association.

What kind of insurance can I get from the FAIR Plan?

You can apply for two basic types of insurance through the FAIR Plan:

• Dwelling fire policy (for homes): This is basic insurance that helps protect a house or building you own—especially if it is a rental, vacant, or does not qualify for regular homeowners’ insurance. It usually covers damage from water, fire, wind, hail, or vandalism. This policy protects the building itself, but it may not cover personal belongings or liability unless you add extra coverage.
• Commercial property policy (for businesses): This insurance protects a business building and the things inside it—like furniture, equipment, or inventory. It helps pay for repairs or replacements if there is damage from events like fire, theft, or storms. Some policies also help cover lost income if your business has to close for a short time due to the damage.

Who can get help from this program?

You may qualify for FAIR Plan insurance if your home or other property is considered high risk. That could mean:

• It’s located in a place where there is a lot of bad weather, like tornadoes, hurricanes, or earthquakes.
• The neighborhood has high crime, including break-ins or vandalism.
• The property is very old and has old wiring or plumbing that can be unsafe.
• You have already been turned down for insurance by two or more companies.
• You have filed multiple insurance claims already (especially big ones).

How do I apply for this program?

Call the Georgia Underwriting Association at 1-770-923-7431 to start the process. You may need to submit proof you were denied coverage from other insurance companies. You may also be asked to provide property photos and additional information about its condition.

If you are approved for FAIR Plan coverage, you will get a price quote and can choose to purchase a policy.

How do I get help with my application?

If you have any questions about the FAIR Plan, call 1-770-923-7431 or visit the Georgia Underwriting Association website.