Texas FAIR Plan insurance
Can't get home insurance in Texas? The Texas FAIR Plan can help.
The Texas FAIR Plan provides essential residential property insurance for Texans who've been turned down by other insurers. On the coast, wind and hail coverage may come from TWIA. We help you with both.
- We sell the Texas 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 Texas FAIR Plan?
The Texas FAIR Plan Association (TFPA) provides essential residential property insurance for eligible Texas policyholders when no one else will. It doesn't compete with private insurers.
To qualify, you generally must have been declined by two other insurance companies, and you need an insurance agent to apply.
Along the Texas coast, the Texas Windstorm Insurance Association (TWIA) provides windstorm and hail coverage for homes and commercial property. Unquoting can help you put the right coverage together.
Visit the official Texas FAIR Plan Association website (opens in a new tab) · Visit the Texas Windstorm Insurance Association (TWIA) website (opens in a new tab)
Who it's for
Texas property owners who heard no.
Homes
Residential coverage for homes standard insurers won't cover.
Condos & renters
Residential coverage for condo unit owners and renters.
Rental dwellings
Landlords who lost coverage on a single family or multifamily property.
Coastal wind & hail
Windstorm and hail coverage on the coast through TWIA.
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 Texas FAIR Plan for you if it's the right fit.
- You'll usually need declinations from two insurance companies before applying.
- The Texas FAIR Plan covers residential property. On the coast, windstorm and hail coverage for homes and businesses comes from TWIA.
- Flood isn't covered by FAIR Plan or TWIA policies — ask us about flood insurance through the National Flood Insurance Program.
The cost of going uninsured
Without insurance, you pay the bill.
These are the average costs of a single homeowners insurance claim. Without coverage, Texas 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 Texas 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
Texas FAIR Plan questions.
Still unsure? Call (888) 928-9324 — we'll tell you in minutes whether the Texas FAIR Plan fits.
What is the Texas FAIR Plan?
The Texas FAIR Plan Association (TFPA) provides essential residential property insurance for eligible Texas policyholders when no one else will.
Who qualifies for the Texas FAIR Plan?
You generally must have been declined by two other insurance companies, and you need an insurance agent to apply. We'll review the full eligibility requirements with you.
What is TWIA?
The Texas Windstorm Insurance Association (TWIA) is a not-for-profit insurer that provides windstorm and hail coverage for homes and commercial property along the Texas coast.
Do I need both the Texas FAIR Plan and TWIA?
Some coastal property owners do. It depends on where your property is and what coverage you already have. We'll check your address and recommend the right combination.
How do I get a Texas 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 Texas FAIR Plan quote today from a licensed Insurance Agent.