FAIR insurance plan options are very basic and may only be available for a few specific types of damage, such as fire or damage from crime, according to Insure.com. These plans are more expensive than traditional home insurance plans and are typically only available after homeowners have been turned down by traditional home insurance providers.
Customers looking at FAIR insurance plans may be limited to one type of coverage depending on what their state offers. For instance, Connecticut Fair Plans only basic liability for named perils like fire. Other states, such as Ohio, may allow homeowners to choose from a few plans for different types of damage, including fire, crime and site rehabilitation, according to the Ohio Fair Plan Underwriting Association.