Pennsylvania · Insurer of Last Resort

FAIR Plan in PennsylvaniaState FAIR plan

Can't get homeowners insurance in Pennsylvania? Here's whether the state runs a FAIR plan or insurer of last resort, what it covers, and how to use it as a bridge back to the private market. Confirm with the Pennsylvania DOI.

Updated July 2026
Cross-verified vs NAIC
Confirm with your state DOI
Editorial & independent

A last resort — shop the private market first

A FAIR plan or insurer of last resort is meant for homeowners who genuinely can’t find coverage elsewhere. It’s typically pricier and more basic than a standard policy, so exhaust the private market and an independent agent first. Availability and rules change — confirm with the Pennsylvania Department of Insurance.

Pennsylvania runs a state FAIR plan

Pennsylvania FAIR Plan — the state insurer of last resort.

As property carriers pull back from higher-risk areas, more Pennsylvania homeowners are being non-renewed or declined — and the state’s residual market is the safety net that must offer at least basic coverage. It matters most where catastrophe exposure is high; in Pennsylvania, that includes Susquehanna River valley, Delaware River corridor, Schuylkill River (Philadelphia), Allegheny-Monongahela confluence (Pittsburgh). It keeps you insured (and satisfies your mortgage lender) while you keep looking for standard coverage.

Regulator: property insurance in Pennsylvania is overseen by the Pennsylvania Insurance Department — where you can file a complaint.

Source: NAIC — FAIR Access to Insurance Requirements Plans (cross-checked vs insurance.com & stillinsurable.com)|Retrieved: July 2026
Residual-market programs change — confirm current availability and rules with the plan or the Pennsylvania DOI.

FAIR Plan in Pennsylvania — FAQ

Does Pennsylvania have a FAIR plan?

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Pennsylvania runs a state FAIR plan. Pennsylvania FAIR Plan — the state insurer of last resort.

How do I get a last-resort policy in Pennsylvania?

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You generally must show you were declined by the private market first, and you usually apply through a licensed agent. These plans typically provide basic coverage (fire and a limited set of perils), so you may need endorsements — or a separate wind or flood policy — for full protection. Treat it as a bridge while you keep shopping the private market.

Does a Pennsylvania FAIR plan cover flood?

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No. FAIR plans (and standard home policies) never cover flood — that requires separate flood insurance through the NFIP or a private flood insurer. In Pennsylvania, higher-risk areas include Susquehanna River valley, Delaware River corridor, Schuylkill River (Philadelphia), Allegheny-Monongahela confluence (Pittsburgh), so flood coverage is worth pricing separately. In several coastal states, hurricane/wind is also handled by a separate wind pool rather than the FAIR plan.

Related guides and tools

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MT

Michael Torres

Editorial Lead, Catastrophe & Commercial Property

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed July 2026

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