North Carolina FAIR Plan insurance
Can't get home insurance in North Carolina? The North Carolina FAIR Plan can help.
North Carolina's FAIR Plan — and the Beach Plan for the coast — provide basic property insurance when standard insurance companies won't. We help North Carolina property owners find the right fit and apply.
- We sell the North Carolina 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 North Carolina FAIR Plan?
The North Carolina Joint Underwriting Association (NCJUA), known as the North Carolina FAIR Plan, is a market of last resort that provides basic property insurance for insurable property anywhere in North Carolina.
On the coast, the North Carolina Insurance Underwriting Association (NCIUA) — the Coastal Property Insurance Pool, or Beach Plan — provides essential property insurance for beach and coastal areas.
Both are associations of the insurance companies licensed to write property insurance in North Carolina. Unquoting helps you figure out which plan fits your property and handles the application.
Visit the official North Carolina Joint Underwriting Association website (opens in a new tab)
Who it's for
North Carolina property owners who heard no.
Homes statewide
Basic property coverage through the NC FAIR Plan anywhere in the state.
Beach & coastal property
Coastal homes and buildings through the Beach Plan.
Rental properties
Landlords who lost coverage on a single family or multifamily property.
Commercial buildings
Commercial property that can't find coverage in the regular market.
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 North Carolina FAIR Plan for you if it's the right fit.
- The FAIR Plan covers the whole state; the Beach Plan covers beach and coastal areas.
- Neither NCJUA nor NCIUA provides flood insurance — flood coverage comes from the National Flood Insurance Program.
- Both are markets of last resort, so we'll first check whether a standard insurer will cover you.
The cost of going uninsured
Without insurance, you pay the bill.
These are the average costs of a single homeowners insurance claim. Without coverage, North Carolina 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 North Carolina 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
North Carolina FAIR Plan questions.
Still unsure? Call (888) 928-9324 — we'll tell you in minutes whether the North Carolina FAIR Plan fits.
What is the North Carolina FAIR Plan?
The North Carolina FAIR Plan is the North Carolina Joint Underwriting Association (NCJUA). It is a market of last resort that provides basic property insurance for insurable property in North Carolina.
What is the North Carolina Beach Plan?
The Beach Plan is the North Carolina Insurance Underwriting Association (NCIUA), also called the Coastal Property Insurance Pool. It provides essential property insurance for property in North Carolina's beach and coastal areas.
Does the North Carolina FAIR Plan cover flood?
No. Neither the FAIR Plan nor the Beach Plan provides flood insurance. Flood coverage is available through the National Flood Insurance Program, and we can help you with it.
Which plan is right for my property?
It depends on where your property is. The FAIR Plan covers the whole state, and the Beach Plan covers beach and coastal areas. We'll check your address and recommend the right option.
How do I get a North Carolina 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 North Carolina FAIR Plan quote today from a licensed Insurance Agent.