What kinds of damage does the Oregon FAIR Plan actually cover?

Every policy covers fire, lightning, and explosions that start inside the home. For an extra premium you can add coverage for windstorm, hail, riot, smoke, volcanic eruption, and damage from vehicles or aircraft — and, on top of that, vandalism. It does not cover theft or lawsuits against you, and it pays the used (depreciated) value of what was damaged — called actual cash value — not the cost of replacing it new.

How do I get a FAIR Plan policy?

You cannot buy one directly from the plan. Any licensed Oregon insurance agent can apply for you, and the state says you qualify after two standard insurance companies have turned you down. The plan issues the policy from its own office and handles claims with local independent adjusters.

Will it cost more than regular home insurance?

Often, yes. The state insurance division says FAIR Plan premiums are often more expensive than the standard market, and the coverage is more basic. Both the state and the plan itself say to treat it as temporary — keep shopping for a regular policy every year.

The Oregon FAIR Plan, explained

What Oregon'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 Oregon FAIR Plan Association is Oregon'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	Oregon FAIR Plan Association
Website	orfairplan.com
Consumer phone	503-643-5448
Established	1971
Maximum home coverage	$600,000
Covers	Fire and lightning damage (included in every policy), Explosion that starts inside the home (included in every policy), Windstorm and hail damage (optional "extended coverage" add-on), Riot or civil commotion damage (optional extended coverage), Damage from aircraft or vehicles hitting the property (optional extended coverage), Smoke damage (optional extended coverage), Volcanic eruption damage (optional extended coverage), Vandalism or deliberate damage by others (optional add-on, only if you also buy extended coverage), Not covered: theft, lawsuits against you (liability), or vacant buildings; claims are paid at actual cash value — the used, depreciated value of what was damaged, not the price of buying it new

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

Who qualifies

You must have been declined by two standard insurance companies (per the Oregon Division of Financial Regulation) The plan is a last resort: if coverage is available to you in the regular insurance market, you are ineligible The property cannot be vacant Eligible property types: owner- or tenant-occupied dwellings (1-4 families), mobile homes, farms, apartment buildings, and commercial buildings with contents Your claims history is considered in deciding what coverage you get; your credit history is not considered A home with an unrepaired or worn-out roof can only get fire coverage

How to apply

1.
Contact a licensed Oregon insurance agent
The FAIR Plan does not sell policies directly to the public. Any licensed property insurance agent in Oregon can submit an application for you, answer questions, and act as your representative with the plan.
2.
Show the regular market turned you down
The Oregon Division of Financial Regulation says you qualify only after being declined by two standard insurance companies. Keep records of the declinations your agent gathers.
3.
Get the policy, then keep shopping
The plan issues all policies from its Beaverton office (503-643-5448, info@orfairplan.com). The plan itself advises treating the policy as temporary coverage and continuing to shop for a regular-market policy.

What it costs

The plan says pricing varies by property and may be higher than, comparable to, or competitive with the regular insurance market; the Oregon Division of Financial Regulation cautions that premiums are often more expensive than in the standard market.

Payment plans are annual, semi-annual, or quarterly, with a $7.00 service fee for each payment after the initial deposit on installment plans and a $35 charge for a returned check; if you cancel, the plan keeps a $125 minimum written premium.

Coverage limits rose on May 1, 2023 — the first increase since 2016 — from $400,000 to $600,000 for personal dwellings and farms, and from $700,000 to $1 million for commercial property; higher limits are possible case-by-case through facultative reinsurance.

The dwelling policy is a basic named-peril form (ISO DP-1) that pays actual cash value, so it is less comprehensive than a typical homeowners policy at any price.

Alternatives in Oregon

Surplus lines market — insurers that take risks the standard market will not; the Oregon Surplus Line Association (503-718-6700) can point you to it Independent insurance agents or brokers who can shop many insurers at once Contacting Oregon homeowners insurance companies directly — the Division of Financial Regulation publishes a list with toll-free numbers

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

About the Oregon FAIR Plan Association — Oregon FAIR Plan Association, accessed 2026-09-02
Oregon FAIR Plan Association FAQ — Oregon FAIR Plan Association, accessed 2026-09-02
Dwelling coverage details (DP-1, named perils, limits) — Oregon FAIR Plan Association, accessed 2026-09-02
Oregon FAIR Plan Association increases coverage limits (2023-05-11) — Oregon Division of Financial Regulation, accessed 2026-09-02
Help with home insurance (FAIR Plan eligibility and alternatives) — Oregon Division of Financial Regulation, 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.