Washington FAIR Plan insurance
Can't get home insurance in Washington? The Washington FAIR Plan can help.
Since 1968, the Washington FAIR Plan has provided basic property insurance for dwellings and commercial buildings that have trouble getting a standard policy. We help Washington property owners apply.
- We sell the Washington 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 Washington FAIR Plan?
The Washington FAIR Plan was established in 1968 to provide basic property insurance on dwellings and commercial buildings for applicants who have difficulty getting a policy in the standard insurance market.
Coverage is available statewide, as long as the property is occupied and reasonably maintained.
The Plan is an association of the insurers licensed to write property insurance in Washington. It is not a state agency and receives no taxpayer funding, but it is supervised by the Office of the Insurance Commissioner.
Visit the official Washington FAIR Plan website (opens in a new tab)
Who it's for
Washington property owners who heard no.
Homes & dwellings
Occupied homes that are having trouble getting a standard policy.
Rental dwellings
Landlords who lost coverage on a single family or multifamily property.
Commercial buildings
Commercial buildings 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 Washington FAIR Plan for you if it's the right fit.
- Coverage is available statewide for property that is occupied and reasonably maintained.
- Flood isn't covered by FAIR Plan policies — ask us about flood insurance through the National Flood Insurance Program.
- The Plan is supervised by the Washington Office of the Insurance Commissioner.
The cost of going uninsured
Without insurance, you pay the bill.
These are the average costs of a single homeowners insurance claim. Without coverage, Washington 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 Washington 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
Washington FAIR Plan questions.
Still unsure? Call (888) 928-9324 — we'll tell you in minutes whether the Washington FAIR Plan fits.
What is the Washington FAIR Plan?
The Washington FAIR Plan provides basic property insurance on dwellings and commercial buildings for applicants who have difficulty getting a policy in the standard insurance market. It was established in 1968.
Who qualifies for the Washington FAIR Plan?
Coverage is available statewide for property that is occupied and reasonably maintained, when you have trouble getting a policy in the standard market.
Is the Washington FAIR Plan a government program?
No. It is an association of the insurers licensed to write property insurance in Washington. It receives no taxpayer funding but is supervised by the Office of the Insurance Commissioner.
Does the Washington FAIR Plan cover vacant property?
The Plan requires property to be occupied and reasonably maintained. Call us to talk through your situation.
How do I get a Washington 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 Washington FAIR Plan quote today from a licensed Insurance Agent.