Oregon FAIR Plan Insurance
Insurance of Last Resort for Oregon Homeowners Denied Standard Coverage
Oregon FAIR Plan Insurance
Insurance of Last Resort for Oregon Homeowners Denied Standard Coverage
What Is the Oregon FAIR Plan?
The Oregon FAIR Plan (Fair Access to Insurance Requirements) is a state-mandated insurance program that provides basic property insurance to Oregon homeowners who cannot obtain coverage in the standard market. It is insurance of last resort — not a preferred option, but a safety net for homeowners in high-risk areas.
Prineville Insurance helps Central Oregon homeowners understand the FAIR Plan, navigate the application process, and — whenever possible — find better alternatives in the standard or specialty market. Our agents work with specialty carriers that cover high-risk properties, including wildfire-prone areas of Central Oregon.
Why Choose Prineville Insurance?
- Independent agency — we work for you, not the insurance company
- 50+ top-rated insurance carriers to compare
- Licensed Oregon agents with local expertise
- Serving Central Oregon since 1935
- Competitive rates through market comparison
- Personalized service and claims advocacy
Key Fire Mitigation and Coverage Areas
Understanding fire mitigation and coverage options for Central Oregon homeowners.
Fire and Smoke Damage
Basic fire and smoke damage coverage — the primary coverage provided by the Oregon FAIR Plan.
Lightning
Covers damage from lightning strikes to your home and structures.
Windstorm and Hail
Covers damage from windstorms and hail — available as an optional add-on.
Explosion
Covers damage from explosions, including gas explosions.
Riot and Civil Commotion
Covers damage from riots and civil unrest.
Vandalism and Malicious Mischief
Covers intentional damage to your property — available as an optional add-on.
How Fire Mitigation Helps Central Oregon Homeowners
What the FAIR Plan Does NOT Cover
The Oregon FAIR Plan provides only basic fire coverage. It does not include liability coverage, theft, water damage, or many other perils covered by standard homeowners insurance. Most FAIR Plan policyholders need to purchase a separate DIC (Difference in Conditions) policy to fill the coverage gaps.
FAIR Plan vs. Standard Market
The Oregon FAIR Plan is significantly more expensive than standard homeowners insurance for comparable coverage. It should only be used when standard and specialty market options have been exhausted. Prineville Insurance will always try to find standard or specialty market coverage before recommending the FAIR Plan.
Specialty Market Alternatives
Many homeowners who believe they need the FAIR Plan can actually find coverage in the specialty market. Prineville Insurance works with surplus lines carriers and specialty insurers that cover high-risk properties — often at better rates and with broader coverage than the FAIR Plan.
Wildfire Risk and the FAIR Plan
The Oregon FAIR Plan has seen significant growth due to carriers exiting the high-risk wildfire market. Central Oregon homeowners in wildfire-prone areas are increasingly being denied standard coverage. Prineville Insurance specializes in finding wildfire coverage alternatives to the FAIR Plan.
Oregon FAIR Plan Insurance — Frequently Asked Questions
Common questions about oregon fair plan insurance in Central Oregon
Still have questions? Our licensed agents are here to help.
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