What kinds of damage does a Kansas FAIR Plan policy cover?

The basic policy covers damage from fire, lightning, and explosion. You can add "extended coverage" — an add-on that also covers wind, hail, riots, smoke damage, damage from vehicles or aircraft, sinkhole collapse and volcanic action — plus optional theft and personal liability coverage. It does not cover flood (that comes from a separate federal program), and the state insurance department warns it is not as comprehensive as a regular homeowners policy.

Do I really have to be turned down before I can apply?

Yes. At least three insurance companies must have declined to cover your property first. After that, any licensed insurance agent who sells property insurance can apply for you — there is no direct online application for consumers. The plan will inspect your home before deciding, and approval is not guaranteed.

How much will a FAIR Plan policy cost me?

The plan does not publish prices — your agent pulls a quote for your specific home through the plan's system. Rates and policy forms are approved by the Kansas insurance commissioner, and policies run one year at a time. Because the coverage is thinner than a normal homeowners policy, treat the FAIR Plan as a bridge: keep shopping the regular market every year, since getting back to a standard policy usually means better coverage.

The Kansas FAIR Plan, explained

What Kansas's insurer of last resort covers, who qualifies, and how to use it as a bridge instead of a destination.

By the TMRW Team · Published September 2, 2026

The short answer

The Kansas All-Industry Placement Facility (Kansas FAIR Plan) is Kansas's insurer of last resort — basic property coverage for homes the regular market won't take.
Like most FAIR plans, it covers fewer kinds of damage than a normal policy and usually costs more — treat it as a bridge while you work back to a regular insurer.
Check the alternatives below before settling in; many homeowners qualify for the regular market again sooner than they expect.

Quick facts


Official name	Kansas All-Industry Placement Facility (Kansas FAIR Plan)
Website	ksfairplan.com
Consumer phone	(785) 271-2300 or toll-free (800) 777-1513
Established	1968
Covers	Fire and lightning damage — the core of every policy (written on the FL-1 basic form), Explosion, Wind and hail damage — available through the extended-coverage add-on, Riot or civil commotion, Damage from aircraft or vehicles hitting the home (extended coverage), Sudden and accidental smoke damage (extended coverage), Sinkhole collapse and volcanic action (extended coverage), Theft — optional add-on, not automatic, Personal liability — optional add-on that pays if someone is hurt on your property, Not covered: flood (handled by the separate federal flood program) and farm property

Verified against the official plan site and state insurance department — see Sources.

Who qualifies

Your property must have been declined by at least three insurance companies before you apply The FAIR Plan inspects your property to decide whether it qualifies — approval is not guaranteed Open to Kansas property owners who cannot find coverage in the normal market; the plan describes them as "responsible applicants" Farm property is not eligible

How to apply

1.
Count your turn-downs
At least three insurance companies must have declined to cover your property before the Kansas FAIR Plan will consider your application. Keep a record of who declined you and when.
2.
Go through a licensed agent
You can apply through any licensed insurance agent who sells property insurance in Kansas. There is no do-it-yourself consumer application — agents submit quotes and applications through the plan's online system at my.ksfairplan.com.
3.
Expect an inspection
The FAIR Plan inspects your property to determine whether you are eligible, and approval in the plan is not guaranteed. Fixing obvious problems (a leaking roof, unrepaired damage) before the inspection improves your odds.
4.
Questions? Call the plan
Reach the Kansas FAIR Plan at (785) 271-2300, toll-free (800) 777-1513, or customerservice@ksfairplan.com. Existing policyholders can view documents and make payments through the "client customer care" link at my.ksfairplan.com.

What it costs

The Kansas FAIR Plan publishes no premium tables online — your agent gets a property-specific quote through the plan's system. Under the Kansas FAIR plan act (K.S.A. 40-2142, enacted 2017), policies run one-year terms on forms and at rates approved by the Kansas insurance commissioner.

The Kansas Department of Insurance says FAIR Plan coverage "is not as comprehensive as homeowners insurance" — it is basic property coverage, with theft and personal liability available only as options, so a lower or similar premium buys less protection than a standard policy.

Standard-market context from the state's Shopper's Guide: most Kansas homeowner policies carry a separate wind/hail deductible of generally 1 to 2 percent of the amount of insurance on the structure — compare deductibles, not just premiums, when weighing a FAIR Plan quote against any standard-market offer.

Alternatives in Kansas

Shop the standard market first — independent agents represent several companies and can give multiple quotes at once, and the Kansas Department of Insurance notes one company's premium can differ widely from another's for similar coverage. A dwelling fire ("fire and extended coverage") policy from a standard insurer — limited, structure-only coverage some companies offer when a home does not qualify for a full homeowners policy. Flood coverage is excluded from every Kansas property policy, FAIR Plan included — buy it separately through the National Flood Insurance Program (floodsmart.gov, 1-888-379-9531). The Kansas Insurance Department's Consumer Assistance Hotline, 800-432-2484, helps consumers who cannot find coverage or have questions about their options.

Wherever you land, most FAIR-type policies leave gaps a second policy has to fill — see the gap (DIC) policy, explained.

Common questions

TMRW is an independent wildfire-mitigation company. We are not affiliated with, endorsed by, or connected to the California FAIR Plan Association or any state FAIR Plan, wind pool, or insurance program.

This page is educational. TMRW is not an insurance agent, broker, or producer, and nothing here is insurance advice, a coverage recommendation, or an offer of insurance. Talk to a licensed agent or broker about your coverage.

Sources

Kansas FAIR Plan — official site — Kansas All-Industry Placement Facility, accessed 2026-09-02
Home and Renters — consumer page (with FAIR Plan section) — Kansas Department of Insurance, accessed 2026-09-02
Home and Renters Insurance Shopper's Guide (Kansas FAIR Plan section, p. 7) — Kansas Department of Insurance, accessed 2026-09-02
K.S.A. 40-2142 — Kansas FAIR plan act — Kansas Office of Revisor of Statutes, accessed 2026-09-02
State FAIR Plans (2024) — Kansas entry — PropertyCasualty360, accessed 2026-09-02
Kansas All-Industry Placement Facility — business profile (Business Started: 10/15/1968) — Better Business Bureau, accessed 2026-09-02
Auto and Homeowners Insurance guide, 2017 (Kansas FAIR Plan, p. 36; Consumer Assistance Hotline) — Kansas Department of Insurance, accessed 2026-09-02

Keep reading

FAIR Plans: insurance of last resort, explained

FAIR Plans are state-organized insurers of last resort — expensive, fire-focused, and thinner than they look. What they are, what they cost, and how homeowners get back to regular insurance.

The gap policy: Difference in Conditions (DIC) insurance, explained

A DIC policy is the gap-filler that turns bare-bones FAIR Plan coverage back into something like normal home insurance. What it covers, what it costs, and how to buy one.

The California FAIR Plan, explained

What the California FAIR Plan is, what it really costs with the second policy you'll need, what happens if it runs out of money — and how homeowners get back to real insurance.