Our Mission
Make essential property insurance available to responsible applicants in Oregon when they are unable to secure coverage through the standard insurance markets.
Agent Binding Authority
Coverage cannot be bound by the producer and will be bound by the FAIR Plan only when the application has been accepted by the Underwriting Department.
Moratoriums
Coverage cannot be bound, broadened or increased, and deductibles cannot be decreased for new or in-force business if there is a declared or anticipated catastrophe in progress, such as a wildfire or severe weather event.
Manuals
More detailed underwriting and coverage information can be found in the attached manuals, by line of business.