Minnesota FAIR Plan
Providing Basic Property Insurance
The Minnesota FAIR Plan was established in 1968 for the purpose of making property insurance available to applicants in Minnesota who have not been able to secure insurance in the standard market. The Plan utilizes standard insurance forms and considers affordability and competitiveness with the standard market in pricing products.
Who We Cover
Homeowners, Tennant Occupied, Seasonal, Renters, Townhome Owners, Farms and Small Commercial.
Our Goal
Educate the industry and public on the FAIR Plan and help policy holders transition back to the standard market.
How We Help
Encourage fire prevention and improvement of property.
Our Commitment
Provide reliable insurance solutions with exceptional support.
Who Qualifies for Coverage with the MN FAIR Plan?
All applicants for insurance must have been canceled, non-renewed, or otherwise unable to obtain coverage from an insurer in the private market before qualifying for coverage with the FAIR Plan. You will be required to provide the reason for cancellation, rejection, or non-renewal on your application. If you have received an offer of coverage from a standard insurer, you do not qualify for coverage with the FAIR Plan. You may be asked to provide additional documentation regarding the cancellation, rejection, or non-renewal prior to your acceptance.
Applying for coverage with the MN FAIR Plan
Any agent licensed in the State of MN can assist you with applying for coverage with the MN FAIR Plan. They are an important resource and can help with completing your application and offer advice on the type of coverage that is best for you. Employees of the MN FAIR Plan are not licensed agents and are unable to provide advice to you when completing your application.
Any agent that is licensed in the State of MN cannot refuse to assist you in applying to the MN FAIR Plan.
What policies does MN FAIR Plan offer?
- Homeowners- must be owner occupied and primary residence.
- Homeowners 4 Contents Broad Form (Renters)
- Homeowners 6 Unit-Owners Form (Townhomes/Condos)
- Homeowners 8 Modified Coverage Form
- Dwelling Fire
Dwelling Property 1- Basic Form (available coverages)- Fire, Lightning and Internal Explosion
- Extended Coverage
- Vandalism or Malicious Mischief
- Farm Fire
- Commercial Fire
For Policyholders
Member Companies
Member company participation factors are based on financial results from two years prior and are determined using MN Department of Commerce data.
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