referencesource/state-insurer-of-last-resort-coverage-limits

State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits

Canonical, always-current version: https://referencesource.org/state-insurer-of-last-resort-coverage-limits/ Machine-readable: https://referencesource.org/state-insurer-of-last-resort-coverage-limits/data.json — this mirror is a point-in-time copy.

• —Last verified: 2026-08-19
• —Stale after: 2027-02-15 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
• —Records: 32

When private insurers won't write a property in a wildfire or hurricane state, the state's residual-market insurer (a FAIR Plan or a corporation like Florida's Citizens) is the fallback — but the dollar limits and the rule that determines who is even eligible differ by state and are stated only in that state's own statute or program announcement. Each record is one state's program, carrying its coverage-category limit and, where the source states one, the rule that makes a property ineligible. Answers 'what's the maximum FAIR Plan payout in California', 'why would Florida Citizens turn down my house', 'which states cap eligibility by a dollar replacement-cost figure vs. a pricing-comparison rule'.

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Licence position

US state statute and state-agency announcements — facts not copyrightable (Feist, 1991); statute and release text quoted, not reproduced in full

Facts are not copyrightable; what this dataset takes from each source is a fact plus a short attributed quote linking back to the page that states it.

Sources

• —https://www.flsenate.gov/Laws/Statutes/2025/627.351
• —https://www.cfpnet.com/about-fair-plan/
• —https://www.cfpnet.com/about-fair-plan/commissioner-lara-and-fair-plan-reach-agreement-to-increase-commercial-coverage-limit-to-20-million/
• —https://www.insurance.ca.gov/01-consumers/200-wrr/California-FAIR-Plan.cfm
• —https://www.cfpnet.com/policies/dwelling/

Fields

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