The State of New Jersey
NJ Department of Banking and Insurance
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FAIR Plan - NJ Insurance Underwriting Association

In New Jersey, consumers who are unsuccessful in obtaining coverage through a standard company may apply to the New Jersey Insurance Underwriting Association, known as the FAIR Plan. When a property is rejected by a standard company, the owner is advised of the FAIR Plan. A property owner may apply to the FAIR Plan directly or through any licensed agent. The plan insures homes, mobile homes, rental units, most commercial buildings and business property. The FAIR Plan provides basic property coverage, but does not provide theft or personal liability coverage. However, in 2009, optional theft coverage became available as an attachment to the policy.

Consider the FAIR Plan only if you cannot obtain insurance from any other source.

For more information about the FAIR Plan, contact:
New Jersey Insurance Underwriting Association
570 Broad Street, Suite 500
PO Box 32609
Newark, NJ 07102

Telephone: (973) 622-3838
Fax: (973) 622-6357
Claims Fax: (973) 297-5033
Underwriting Fax: (973) 297-5032

Web site:

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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New Jersey Department of Banking and Insurance