Customers Available Coverage Options

Available Coverage Options

The Ohio FAIR Plan (OFPUA) offers coverage for structures and contents of real property located in the state of Ohio that meet its underwriting criteria and has been denied coverage by at least 2 insurance companies. Available coverages are:

Dwelling Coverage

Available for 1-4 family dwellings, whether tenant-occupied or owner-occupied.*

Homeowners Coverage

Available for 1-4 family dwellings that are the owner's primary residence.*

Condo Coverage

Available for condominium units that are the owner's primary residence.

Renters Coverage

Available for a renter's personal property and liability exposures.

Farm Fire Coverage

Available for dwellings, tools, machinery, harvested crops, contents, farm buildings, livestock, etc. located on an active farm. A risk is considered a farm if over 50% of the crops, livestock, etc. is produced for sale to others.

Commercial Property Coverage

Available for commercial (non-manufacturing) establishments and/or apartment buildings which have 5 or more units.

Crime Coverage

Available for residential or commercial property contents.

Rehabilitation Coverage

Available for vacant properties undergoing significant renovations.

A comparison of Homeowners and Dwelling Property forms is available here.

Complete guidelines are available here.