Oregon Insurance Guide
Oregon FAIR Plan Insurance Guide
The Oregon FAIR Plan is a last resort — but it's an important safety net. Learn what it covers, who qualifies, and when to use it versus private market alternatives.
The Oregon FAIR Plan should be a last resort. Prineville Insurance always explores private market alternatives first — we often find better coverage at lower cost than the FAIR Plan.
What the Oregon FAIR Plan Covers
Dwelling Coverage
Covers the structure of your home against fire, lightning, windstorm, hail, explosion, riot, aircraft damage, and vehicle damage. Does NOT cover flood or earthquake.
Other Structures
May include limited coverage for detached garages, fences, and other structures on your property, depending on your policy.
Basic Perils Only
The FAIR Plan covers a limited set of named perils. It does not provide the broad 'open perils' coverage of a standard homeowners policy.
What the FAIR Plan Does NOT Cover
You'll need separate policies to cover personal property, liability, and additional living expenses. Prineville Insurance can help you assemble a complete coverage package.
Private Market Alternatives to the FAIR Plan
Before turning to the FAIR Plan, Prineville Insurance explores these private market options — which often provide better coverage at competitive rates:
Surplus Lines Carriers
Non-admitted specialty carriers that can provide broader coverage than the FAIR Plan for high-risk properties. Often the best option for Central Oregon wildfire-risk homes.
Specialty Wildfire Programs
Some carriers offer dedicated wildfire insurance programs for high-risk properties in Oregon. These often provide better coverage at competitive rates.
Lloyd's of London Syndicates
For very high-value or difficult-to-place properties, Lloyd's syndicates can provide customized coverage solutions.
Home Hardening + Private Market
Documented home hardening improvements can re-open private market options. Prineville Insurance helps homeowners document improvements for carrier applications.
