Pennsylvania FAIR Plan basic fire and crime insurance availability

How it works

The Pennsylvania Insurance Department’s homeowners guide says all Pennsylvania residents are guaranteed the availability of basic fire and crime insurance through the Pennsylvania FAIR Plan. Coverage is available through any insurance agent or broker, and the guide gives a toll-free number for information.

What it does not do

This is not a grant, rebate, tax incentive, or mitigation reimbursement program. The guide does not say the FAIR Plan pays homeowners for wildfire hardening or mitigation work.

Why it matters

For homeowners who have trouble obtaining standard coverage, this is the statewide backstop insurer resource referenced by the Insurance Department.

Timing

The guide is an ongoing consumer resource; no opening or closing dates are stated.