By All Graham Insurance Solutions
If you’ve been denied homeowners insurance — or your policy was recently non-renewed — you may have heard of the North Carolina FAIR Plan, also known as the NC Joint Underwriting Association (NCJUA).
The FAIR Plan exists to ensure that every homeowner in North Carolina can access basic property insurance coverage, even if traditional insurance companies won’t offer it.
At All Graham Insurance Solutions, we help homeowners understand how the FAIR Plan works, what it covers, and when it might be the right option for you.
🧭 What Is the North Carolina FAIR Plan?
FAIR stands for Fair Access to Insurance Requirements.
The NC FAIR Plan is managed by the North Carolina Joint Underwriting Association (NCJUA) — a state-regulated insurance pool funded by all licensed property insurers in the state.
Its goal is simple:
To provide homeowners with basic fire and extended coverage when standard insurance companies decline to insure their property.
📋 Who Qualifies for the NC FAIR Plan?
You may be eligible if:
✅ You’ve been denied coverage by at least two licensed insurance companies.
✅ Your home is occupied and well maintained (not abandoned or condemned).
✅ Your property meets basic safety and repair standards.
✅ You have no serious outstanding code violations.
💡 Tip: The FAIR Plan isn’t designed for convenience — it’s a last resort option when traditional insurers refuse coverage.
🏠 What Does the NC FAIR Plan Cover?
The FAIR Plan offers basic homeowners coverage, which may include:
- Fire and Lightning
- Windstorm or Hail
- Explosion, Smoke, Vandalism, and Theft
- Aircraft and Vehicle Damage
- Riot or Civil Commotion
For homeowners policies (HO-8, HO-2, or HO-3), limited coverage may extend to:
- Dwelling Structure (Coverage A)
- Personal Property (Coverage C)
- Liability (optional add-on)
💬 Note: FAIR Plan coverage may not be as comprehensive as a standard homeowners policy — and often carries higher deductibles.
💸 What the FAIR Plan Doesn’t Cover
- Flood damage (requires FEMA’s NFIP flood insurance)
- Earthquake damage
- Maintenance issues or wear-and-tear
- Luxury or specialty property coverage
- High liability limits
This means it’s often wise to treat FAIR Plan coverage as temporary protection while you work to qualify for standard coverage again.
⚙️ How to Apply for the North Carolina FAIR Plan
- Contact a Licensed Insurance Agent (like All Graham Insurance Solutions).
- You can’t apply directly as a consumer — the application must come through a licensed agent.
- Provide Proof of Denial.
- You’ll need written notice from at least two insurance companies declining your application.
- Submit Your Application and Inspection.
- The NCJUA will arrange a property inspection to ensure your home meets eligibility standards.
- Receive a Quote and Coverage Terms.
- If approved, your FAIR Plan coverage will begin once the premium is paid.
Learn more directly from the NCJUA here: www.ncjua-nciua.org
💬 When to Use the FAIR Plan
The FAIR Plan is a safety net — but not a long-term strategy. It’s best for:
- Homeowners in coastal or high-risk areas where private insurers have withdrawn.
- Homes undergoing repairs or updates that make them temporarily uninsurable.
- Property owners working to restore eligibility for standard insurance markets.
Once your home meets underwriting standards again, you can transition back to a private market policy with better coverage and lower premiums.
🧡 How All Graham Insurance Solutions Can Help
At All Graham Insurance Solutions, we help you:
- Determine if you qualify for FAIR Plan coverage.
- Guide you through the application process.
- Find alternative private insurance options if available.
- Develop a plan to move from FAIR Plan to standard homeowners coverage as soon as possible.