Texas FAIR Plan Insurance Options and Alternatives
If you have been declined by one or more insurance company. If your home is older, has prior claims, has roof concerns, or is located in a higher-risk area, standard insurance carriers may not offer coverage.
The Texas FAIR Plan Association (TFPA) is designed as a last-resort option for eligible property owners who cannot obtain coverage through the standard insurance market. It can provide basic protection, but it is not always the best first stop.
Insurance Plus is an independent retail insurance agency. We work directly with the public in our Dallas office, over the phone, and online. Because we represent multiple insurance companies and specialty markets, we are often able to help homeowners find coverage options outside the FAIR Plan.
Review Coverage Options
Been declined? Ask about alternatives before settling for the FAIR Plan.
Start Home QuoteAsk About Alternatives
High-risk and specialty home insurance markets may be available.
View AlternativesDo You Actually Need the Texas FAIR Plan?
Being declined by one company does not always mean the FAIR Plan is your only option. Some companies decline homes because of prior claims, older roofs, credit issues, condition concerns, location, or underwriting rules that may not apply the same way with another market.
Insurance Plus works with standard, specialty, and high-risk insurance markets. In most cases, we can help homeowners review alternatives for properties that have already been turned down elsewhere.
Before moving forward with a FAIR Plan policy, it is often worth checking whether another coverage option may offer broader protection, better flexibility, or a stronger long-term path back to the standard market.
Why the FAIR Plan Exists
The FAIR Plan exists as a safety net for property owners who cannot find coverage through traditional markets. Typical situations may include:
Homes declined by multiple standard insurers
Properties with prior claims
Older roofs, plumbing, electrical, or heating systems
Homes in higher-risk wind, hail, or fire areas
Properties needing repairs or underwriting improvements
The plan can help maintain coverage, but it is generally intended as a last-resort solution.
Basic Protection Homeowners Often Need
| Dwelling | Coverage for the main home structure |
| Other Structures | Detached garages, sheds, fences, or other structures when available |
| Contents | Personal belongings such as furniture, clothing, and appliances when available |
| Liability | May be limited or may need to be handled separately depending on the policy form |
| Additional Living Expense | Temporary housing expenses after a covered loss when included or endorsed |
| Loss Settlement | Replacement cost or actual cash value provisions vary by carrier and policy form |
Alternatives May Be Available
Many homeowners who think they need the FAIR Plan may qualify for a different market. Depending on the property, alternatives may include high-risk home insurance in Texas, specialty homeowners programs, dwelling fire coverage, or other property insurance solutions.
If the property is tenant occupied or non-owner occupied, a dwelling policy such as Texas DP1 Insurance may be considered instead of a standard homeowners form.
Common Reasons Homes Get Declined
- Older roof or roof condition concerns
- Prior water, fire, hail, or liability claims
- Vacancy or unusual occupancy
- Outdated electrical, plumbing, or heating systems
- Property condition issues found during inspection
- Brush, wildfire, coastal, hail, or wind exposure
- Credit or prior insurance history concerns
If you have been denied home insurance in Texas, the next step is not always the FAIR Plan. A licensed independent agent can review what caused the decline and determine which markets are still available.
Texas FAIR Plan Alternatives
The strongest reason to contact Insurance Plus before applying for the FAIR Plan is market access. As an independent agency, we are not limited to one company. We can review multiple options and help determine whether a specialty market or high-risk home program is available.
1. High-Risk Home Insurance Programs
Some carriers specialize in homes that standard companies decline. These markets may consider prior claims, roof age, credit issues, older systems, or difficult underwriting situations.
2. Specialty Insurance Markets
Specialty markets may provide options for homes with unique risk characteristics. Coverage varies by carrier, but these options may be a better fit than a last-resort policy.
3. Dwelling Fire Coverage
For rental homes, vacant homes, or non-owner occupied properties, a dwelling fire policy may be more appropriate than a standard homeowners policy or FAIR Plan placement.
4. Property Updates to Improve Eligibility
Roof replacement, plumbing updates, electrical improvements, tree trimming, or repair documentation may help a home qualify for broader markets. Insurance Plus can help identify which updates may matter most for underwriting.
Why Work With Insurance Plus?
Insurance Plus is a licensed independent retail insurance agency. We are not a lead-generation website. We work directly with Texas homeowners and help place coverage through insurance companies with whom we have agency contracts.
Our agency can help review the property, prior claims, occupancy, roof condition, updates, and underwriting concerns. From there, we can determine which available markets may consider the risk.
Insurance Plus and many of our markets accept major credit cards, debit cards, EFT, and ACH transactions where available. Billing and payment options vary by carrier and program.
Frequently Asked Questions
What is the FAIR Plan?
It is a last-resort property insurance option for eligible Texas property owners who cannot obtain coverage through standard insurance markets.
Are there alternatives?
Yes. In most cases, Insurance Plus can review high-risk home insurance, dwelling fire coverage, specialty markets, or other available options before the FAIR Plan is considered.
Is the FAIR Plan always cheaper?
Not necessarily. Pricing depends on the property, location, coverage amount, and risk factors. The broader question is whether better coverage options are available.
Can I move out of the FAIR Plan later?
Many homeowners use last-resort coverage temporarily while improving property eligibility or searching for a better market.
Need Help Finding Home Insurance?
If other companies declined your home, Insurance Plus can help review alternative coverage options first.
Call 214-351-4097 or start a home quote online.