Iowa FAIR Plan insurance
Can't get home insurance in Iowa? The Iowa FAIR Plan can help.
The Iowa FAIR Plan provides basic property insurance for Iowa homes and buildings that can't get coverage from a standard insurance company. Only a licensed insurance agent can apply for you — that's where we come in.
- We sell the Iowa FAIR Plan
- Free, no-obligation quotes
- Real people, no AI here
Free, no-obligation quotes from a licensed Insurance Agent.
About the plan
What is the Iowa FAIR Plan?
The Iowa FAIR Plan Association (IFPA) is Iowa's property insurance option of last resort. It exists for property owners who have tried the regular insurance market and come up empty.
IFPA policies provide basic coverage — generally less than a standard insurance company policy — through two programs: dwelling property and commercial property.
Applications can only be submitted by a licensed insurance agent. As an independent agency that sells the Iowa FAIR Plan, Unquoting handles the application for you.
Visit the official Iowa FAIR Plan Association website (opens in a new tab)
Who it's for
Iowa property owners who heard no.
Homes & dwellings
Owner-occupied homes that standard insurers have declined or canceled.
Rental dwellings
Landlords who lost coverage on a single family or multifamily property.
Commercial buildings
Commercial property that can't find coverage in the regular market.
Older & hard-to-insure homes
Older roofs, past claims or other issues that make insurers say no.
Good to know
Before you apply.
FAIR Plans are an insurer of last resort. We'll check the regular market first, then apply to the Iowa FAIR Plan for you if it's the right fit.
- Coverage is basic and is usually less than a standard homeowners policy.
- Flood isn't covered by FAIR Plan policies — ask us about flood insurance through the National Flood Insurance Program.
- Eligibility follows the Plan's underwriting guidelines; we'll check your property before applying.
The cost of going uninsured
Without insurance, you pay the bill.
These are the average costs of a single homeowners insurance claim. Without coverage, Iowa homeowners pay costs like these out of pocket, and a lender may add expensive force-placed insurance to your mortgage.
Get covered: call (888) 928-9324Average cost of one homeowners claim, by cause
View as a table
| Cause of loss | Average claim |
|---|---|
| Fire & lightning | $88,170 |
| Liability (injury & property damage) | $37,174 |
| Water damage & freezing | $15,400 |
| Wind & hail | $14,747 |
| Theft | $5,524 |
How it works
Three steps to covered.
Tell us about the property
One quick phone call or email. No documents needed to start.
We check eligibility & quote
A licensed Insurance Agent reviews the Iowa FAIR Plan rules and prices your coverage.
Get covered
We handle the application and point out any gaps worth filling with add-on policies.
FAQ
Iowa FAIR Plan questions.
Still unsure? Call (888) 928-9324 — we'll tell you in minutes whether the Iowa FAIR Plan fits.
What is the Iowa FAIR Plan?
The Iowa FAIR Plan Association (IFPA) provides basic property insurance for Iowa property owners who can't get coverage in the voluntary insurance market. It is meant as a last resort.
Can I apply to the Iowa FAIR Plan myself?
No. Only a licensed insurance agent can submit an application to the Iowa FAIR Plan Association. Unquoting can apply on your behalf.
What kinds of property does the Iowa FAIR Plan insure?
The Iowa FAIR Plan has dwelling property and commercial property programs. We'll confirm whether your property qualifies under the Plan's guidelines.
Does the Iowa FAIR Plan cover as much as a regular policy?
Usually not. IFPA policies provide basic coverage and generally less coverage than standard insurance companies. We'll explain what's included and where the gaps are.
How do I get an Iowa FAIR Plan quote?
Call Unquoting at (888) 928-9324 or email mail@unquoting.com. Quotes are free and there's no obligation.
Other states we serve
FAIR Plan help in five states.
Don't go uninsured.
Get your free Iowa FAIR Plan quote today from a licensed Insurance Agent.