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Can't Get Home Insurance in Ohio? How the Ohio FAIR Plan Works

Updated November 1, 2026 · General information, not insurance advice

If regular insurance companies won't cover your Ohio home, because of its age, condition, location or your claims history, the Ohio FAIR Plan is the state's insurer of last resort. It's set up under Ohio law so that homeowners can still get basic property coverage when the regular market says no.

Try these first

The FAIR Plan usually costs more and covers less than a standard policy, so it's worth exhausting other options first:

• Ask an independent agent, who can shop many companies at once, including smaller regional Ohio insurers
• Fix the problem an insurer flagged, such as an old roof, outdated wiring or a missing handrail, and reapply
• Compare quotes widely; one company's "no" isn't every company's

Who qualifies for the Ohio FAIR Plan

Requirements can change, so confirm with the Ohio FAIR Plan directly. Commonly cited requirements include:

• Proof that you've been turned down by at least two insurers
• Insuring the home for at least 50% of its replacement cost
• The home being your full-time primary residence
• The home meeting basic building and safety codes and not being in foreclosure
• Restrictions on certain dog breeds

What it covers and the drawbacks

The Ohio FAIR Plan offers homeowners policies that cover the dwelling, other structures, belongings, liability, medical payments to others and loss of use. Drawbacks to know:

• Price: often higher than a standard policy for similar coverage
• Belongings at actual cash value: payouts for your things are reduced for depreciation
• Same big exclusions: flood and earthquake still aren't covered

How to apply

1. Gather written proof of your two coverage denials.
2. Estimate your home's replacement cost, using your old declarations page, a contractor or an appraiser.
3. Collect details on the home: age, construction, roof age and material, heating and electrical.
4. Apply through a licensed Ohio insurance agent or the Ohio FAIR Plan.

Once you're on the FAIR Plan, keep shopping each year. After repairs or a few claim-free years, you may qualify for a cheaper standard policy again.

Sources

• Ohio Administrative Code 3901-1-18: Ohio Fair Plan plan of operation
• Policygenius: The Ohio FAIR plan, explained

More Ohio insurance guides

• How Much Is Homeowners Insurance in Ohio? (2026)
• Does Home Insurance Cover Hail and Wind Damage in Ohio?
• Do You Need Flood Insurance in Ohio?
• Renters Insurance in Ohio: What It Covers and What It Costs