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Homeowners insurance by state

Insurance is regulated state by state: each one has its own last-resort plan, notice rules and discount programs. Pick your state.

Choose your state

StateLast-resort plansInsurance regulator
AlabamaAlabama Insurance Underwriting Association (AIUA)Alabama Department of Insurance (ALDOI)
AlaskaSee state pageAlaska Division of Insurance
ArizonaSee state pageArizona Department of Insurance and Financial Institutions (DIFI)
ArkansasSee state pageArkansas Insurance Department (AID)
CaliforniaCalifornia FAIR PlanCalifornia Department of Insurance (CDI)
ColoradoColorado FAIR PlanColorado Division of Insurance (DOI)
ConnecticutConnecticut FAIR PlanConnecticut Insurance Department (CID)
DelawareDelaware FAIR PlanDelaware Department of Insurance
District of ColumbiaDistrict of Columbia Property Insurance Facility (DC FAIR Plan)District of Columbia Department of Insurance, Securities and Banking (DISB)
FloridaCitizens Property Insurance Corporation (Florida)Florida Office of Insurance Regulation (OIR); consumer help from the Department of Financial Services (DFS)
GeorgiaGeorgia FAIR Plan (Georgia Underwriting Association)Georgia Office of Commissioner of Insurance and Safety Fire (OCI)
HawaiiHawaii Property Insurance Association (HPIA)Hawaii Insurance Division (Department of Commerce and Consumer Affairs)
IdahoSee state pageIdaho Department of Insurance (DOI)
IllinoisIllinois FAIR PlanIllinois Department of Insurance (IDOI)
IndianaIndiana FAIR PlanIndiana Department of Insurance (IDOI)
IowaIowa FAIR PlanIowa Insurance Division (Iowa Department of Insurance and Financial Services)
KansasKansas FAIR PlanKansas Department of Insurance (KDOI)
KentuckyKentucky FAIR PlanKentucky Department of Insurance (DOI)
LouisianaLouisiana Citizens Property InsuranceLouisiana Department of Insurance (LDI)
MaineSee state pageMaine Bureau of Insurance
MarylandMaryland Joint Insurance Association (MJIA)Maryland Insurance Administration (MIA)
MassachusettsMassachusetts FAIR Plan (MPIUA)Massachusetts Division of Insurance (DOI)
MichiganMichigan FAIR Plan (MBPIA)Michigan Department of Insurance and Financial Services (DIFS)
MinnesotaMinnesota FAIR PlanMinnesota Department of Commerce
MississippiMississippi FAIR Plan (MRPIUA), Mississippi Windstorm Underwriting Association (MWUA)Mississippi Insurance Department (MID)
MissouriMissouri FAIR PlanMissouri Department of Commerce and Insurance (DCI)
MontanaSee state pageMontana Commissioner of Securities and Insurance, Office of the Montana State Auditor (CSI)
NebraskaSee state pageNebraska Department of Insurance (NDOI)
NevadaSee state pageNevada Division of Insurance
New HampshireSee state pageNew Hampshire Insurance Department (NHID)
New JerseyNew Jersey FAIR Plan (NJIUA)New Jersey Department of Banking and Insurance (DOBI)
New MexicoNew Mexico FAIR PlanNew Mexico Office of Superintendent of Insurance (OSI)
New YorkNew York FAIR Plan (NYPIUA)New York State Department of Financial Services (DFS)
North CarolinaNCIUA and the North Carolina FAIR PlanNorth Carolina Department of Insurance (NCDOI)
North DakotaSee state pageNorth Dakota Insurance & Securities Department
OhioOhio FAIR PlanOhio Department of Insurance (ODI)
OklahomaSee state pageOklahoma Insurance Department (OID)
OregonOregon FAIR PlanOregon Division of Financial Regulation (DFR)
PennsylvaniaPennsylvania FAIR PlanPennsylvania Insurance Department (PID)
Rhode IslandRhode Island FAIR Plan (RIJRA)Rhode Island Department of Business Regulation, Insurance Division (DBR)
South CarolinaSouth Carolina Wind and Hail Underwriting Association (SC Wind)South Carolina Department of Insurance (SCDOI)
South DakotaSee state pageSouth Dakota Division of Insurance
TennesseeSee state pageTennessee Department of Commerce and Insurance (TDCI)
TexasTWIA (Texas Windstorm Insurance Association), Texas FAIR Plan (TFPA)Texas Department of Insurance (TDI)
UtahSee state pageUtah Insurance Department
VermontSee state pageVermont Department of Financial Regulation (DFR), Insurance Division
VirginiaVirginia FAIR Plan (VPIA)State Corporation Commission, Bureau of Insurance
WashingtonWashington FAIR PlanWashington State Office of the Insurance Commissioner (OIC)
West VirginiaWest Virginia FAIR PlanWest Virginia Offices of the Insurance Commissioner (WVOIC)
WisconsinWisconsin FAIR Plan (Wisconsin Insurance Plan)Wisconsin Office of the Commissioner of Insurance (OCI)
WyomingSee state pageWyoming Department of Insurance (WDOI)

Every state's last-resort plan, with a link to the plan's own website, is in our FAIR plan guide.

Last-resort plans with a full guide