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Oregon FAIR Plan Insurance Guide
A Complete Guide to the Oregon FAIR Plan for Oregon Coast Homeowners
Oregon FAIR Plan Insurance Guide
A Complete Guide to the Oregon FAIR Plan for Oregon Coast Homeowners
Or Get A Free QuoteOregon FAIR Plan: A Complete Guide
The Oregon FAIR Plan is a state-mandated insurance program that provides basic property insurance to homeowners who cannot obtain coverage in the standard market. As wildfire risk has increased across Oregon Coast, more homeowners are finding themselves unable to obtain standard homeowners insurance — and turning to the FAIR Plan as a last resort.
Gerald Ross Agency has helped many Oregon Coast homeowners navigate the FAIR Plan and find alternatives. This guide covers everything you need to know about the Oregon FAIR Plan — what it covers, how to apply, what it costs, and what alternatives may be available.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- Explore coverage options for your needs
- Local Oregon Coast insurance guidance
- Serving Oregon Coast since 1937
- Help comparing coverage and policy terms
- Personalized service and claims advocacy
Key Fire Mitigation and Coverage Areas
Understanding fire mitigation and coverage options for Oregon Coast homeowners.
Fire Coverage
The primary coverage provided by the FAIR Plan — covers fire and smoke damage to your home and structures.
Extended Coverages
Optional add-ons including windstorm, hail, explosion, riot, and vandalism coverage.
DIC Policy
A Difference in Conditions policy fills the coverage gaps left by the FAIR Plan — covering theft, water damage, and other perils not included in the FAIR Plan.
Liability Coverage
Not included in the FAIR Plan — must be purchased separately through a DIC policy or standalone liability policy.
Personal Property
Limited personal property coverage may be available — check your specific FAIR Plan policy for details.
Additional Living Expenses
May be available as an add-on — covers temporary housing costs if your home is uninhabitable due to a covered loss.
How Fire Mitigation Helps Oregon Coast Homeowners
Step 1: Try the Standard Market First
Before applying for the FAIR Plan, you must be denied by at least two standard insurance carriers. Gerald Ross Agency will shop the standard market on your behalf before pursuing FAIR Plan options.
Step 2: Explore Specialty Market Options
Many homeowners who believe they need the FAIR Plan can find coverage in the specialty (surplus lines) market. Gerald Ross Agency works with specialty carriers that cover high-risk properties — often with better coverage and competitive rates compared to the FAIR Plan.
Step 3: Apply for the FAIR Plan
If no standard or specialty market options are available, Gerald Ross Agency can help you apply for the Oregon FAIR Plan. The FAIR Plan is required to accept all eligible applicants who have been denied by the standard market.
Step 4: Purchase a DIC Policy
The FAIR Plan provides only basic fire coverage. Most FAIR Plan policyholders need a DIC (Difference in Conditions) policy to cover liability, theft, water damage, and other perils not included in the FAIR Plan.
Oregon FAIR Plan Insurance Guide — Frequently Asked Questions
Common questions about oregon fair plan insurance guide in Oregon Coast
What does the Oregon FAIR Plan cover?
How much does the Oregon FAIR Plan cost?
What is a DIC policy?
Can I get better coverage than the FAIR Plan?
Is the Oregon FAIR Plan my only option if I live in a wildfire zone?
Still have questions? Contact our team for help.
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