Ohio FAIR Plan insurance
Can't get home insurance in Ohio? The Ohio FAIR Plan can help.
Since 1968, the Ohio FAIR Plan has provided essential property insurance for Ohio property that can't get coverage from a standard insurance company. Unquoting is based in Cleveland and helps Ohioans apply.
- We sell the Ohio 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 Ohio FAIR Plan?
The Ohio FAIR Plan Underwriting Association was established in 1968 to provide essential insurance coverage for eligible property that can't get insurance through the voluntary market.
Since 1977, the entire state of Ohio has been eligible for basic property insurance through the Plan, including farm coverage. It is supported by every insurer licensed to write fire insurance in Ohio.
Unquoting is based in Cleveland. We place Ohio FAIR Plan coverage and walk you through every step of the application.
Visit the official Ohio FAIR Plan Underwriting Association website (opens in a new tab)
Who it's for
Ohio property owners who heard no.
Homeowners & dwellings
Homeowners and dwelling coverage for homes insurers have declined.
Condos & renters
Coverage for condo unit owners and renters' belongings.
Rehabs
Rehabilitation coverage for properties being renovated.
Farms
Farm fire coverage for barns, outbuildings and rural property.
Commercial buildings
Commercial fire coverage for business property.
Rental properties
Landlords who lost coverage on a single family or multifamily property.
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 Ohio FAIR Plan for you if it's the right fit.
- The Ohio FAIR Plan is available statewide.
- Flood isn't covered by FAIR Plan policies — ask us about flood insurance through the National Flood Insurance Program.
- Your property must meet the Plan's eligibility guidelines; we'll review it with you 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, Ohio 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 Ohio 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
Ohio FAIR Plan questions.
Still unsure? Call (888) 928-9324 — we'll tell you in minutes whether the Ohio FAIR Plan fits.
What is the Ohio FAIR Plan?
The Ohio FAIR Plan Underwriting Association provides essential property insurance for eligible Ohio property that can't get coverage through the voluntary insurance market. It was established in 1968.
Is the Ohio FAIR Plan available in my area?
Yes. Since 1977, the entire state of Ohio has been eligible for basic property insurance through the Ohio FAIR Plan.
What does the Ohio FAIR Plan offer?
Coverage options include dwelling, homeowners, condo, renters, farm fire, commercial fire and rehabilitation coverage.
Does the Ohio FAIR Plan cover property under renovation?
The Ohio FAIR Plan offers rehabilitation coverage. We'll check whether your project qualifies and explain what's covered.
How do I get an Ohio 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 Ohio FAIR Plan quote today from a licensed Insurance Agent.