Coverages Available from OFP
The Ohio FAIR Plan (OFP) offers coverage for structures and contents of
real property located in the state of Ohio that meets its underwriting
criteria and has been denied coverage by at least 2 insurance companies.
Available coverages are briefly described below:
Dwelling Fire coverage is available for
1-4 family dwellings, whether tenant-occupied or owner-occupied.
Homeowners coverage is available for
1 & 2 family dwellings that are the owner's primary residence.
Condo coverage is available for
condominium units that are the owner's primary residence.
Renters coverage is available for
a renter's personal property and liability exposures.
Farm Fire coverage is 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 Fire coverage is available for
commercial (non-manufacturing) establishments and/or apartment buildings
which have 5 or more units.
Crime coverage, for residential or
commercial property, is available for property contents.
is available for vacant properties undergoing significant renovations.
A comparison of Homeowners and Dwelling Fire forms
Cancellations and Non-Replacements of Coverage through OFP will specify the reasons
for such action and will be handled in compliance with the contract for insurance.
Notices of Non-Eligibility for Coverage through the Ohio FAIR Plan will specify
reasons for such non-eligibility.
No licensed agent shall hold himself out as an agent of the Ohio FAIR Plan or have any
authority to bind insurance for the Ohio FAIR Plan. However, all Ohio-licensed property
and casualty agents have the responsibility to assist individuals who apply for coverage
through the Ohio FAIR Plan (Ohio Administrative Rule 3901-1-18(D)(1) and (D)(2)).