The Oregon FAIR Plan exists to ensure that every Oregon homeowner has access to at least basic fire insurance — even if no private market carrier will write their property. It's an important safety net, but it's intentionally limited and should be considered a last resort rather than a first choice.

Before turning to the FAIR Plan, Insure Pacific will work to find private market alternatives — surplus lines carriers, specialty wildfire programs, and other options that typically provide broader coverage at competitive rates. Many homeowners who think they need the FAIR Plan can actually find better private market coverage with the right agent.

If the FAIR Plan is ultimately the right solution for your situation, we can help you apply and supplement it with additional policies for personal property, liability, and additional living expenses — building a complete coverage package around your FAIR Plan policy.