Consumers

Frequently Asked Questions and Answers

Q: How do I get insurance through the MN Fair Plan?

The MN FAIR Plan works with Insurance Agents and Brokers licensed in the State of Minnesota. To apply for coverage, we ask that you work through an Agent or Broker that will help put together an application and other necessary documents for our Underwriters. Your Agent or Broker can help answer questions and work to provide you with insurance that fits your needs. It is understood that all applicants have been unable to secure coverage in the private market prior to applying for coverage through the FAIR Plan.


Q: Does the Fair Plan offer Health Insurance?

No. The Minnesota FAIR Plan offers property insurance for property risks that are declined in the private market. We offer Homeowners, Condo/Townhome Owners, Renters, Dwelling Fire and Commercial Property policies.


Q: Do Hobby Farms qualify for Homeowners coverage?

No. Our Homeowners policy includes liability coverage. The unique exposures of farm operations add liability hazards that make farm operations and properties with farm structures ineligible for Homeowners coverage. Additionally, any property that contains livestock does not qualify for Homeowners coverage. Livestock includes but is not limited to horses, cows, pigs, sheep and goats. Poultry is not considered livestock. Your Agent may help you in completing a Farm Fire application for this type of risk.


Q: Does the FAIR Plan have policies available for Vacant Properties?

Yes. Your Agent can assist you in completing a Dwelling Fire application provided the property is currently in the process of rehabilitation or listed on the market for sale. This requirement will be waived if the applicant is a representative of the property owner’s Estate. If the applicant is a representative of the property owners Estate, we will require legal documentation supporting this.


Q: Does the FAIR Plan write foreclosed properties?

Yes. You may have your Agent submit an application for a foreclosed property for our consideration, however, we will require the opportunity to complete an interior and exterior inspection prior to offering coverage. The completed inspection does not provide a guarantee of coverage.


Q: Does the FAIR Plan write fire damaged homes?

We will consider an application for a property with fire damage. We will require the opportunity to complete an interior and exterior inspection prior to offering coverage. The completed inspection does not provide a guarantee of coverage.