Consumers:
Receive a cancellation letter?

If you received a cancellation letter for your property insurance, you probably found our name at the bottom. Or, you might be having trouble getting or qualifying for insurance on your property. We may be able to help you.

Consumers:
Receive a cancellation letter?

If you received a cancellation letter for your property insurance, you probably found our name at the bottom. Or, you might be having trouble getting or qualifying for insurance on your property. We may be able to help you.

Insurance has two markets:

Voluntary

The voluntary market is where you go to an insurance agent and they are able to place your insurance with an insurance company. This insurance is the most affordable for what you get.

Forced Placement

If you can’t get property insurance and you have a mortgage, the mortgage company will provide you with forced placement insurance. This insurance is very expensive for what you get.

Our goal is to help you with basic property insurance until you can get back to the voluntary market.

First, get an insurance agent.

The Iowa FAIR Plan Association (IFPA) exists to make basic property insurance available to qualified applicants. However, we only work through producers - the term we use for the insurance agent that works for you.

We recommend that you shop with your licensed insurance agent to see if you are eligible for a voluntary policy. If you are not eligible, your agent can apply for a policy with the IFPA.

customer service team
paying with a credit card

Payments

A deposit is required when you apply for insurance with IFPA. Once you are approved, payments can be made online via the IFPA website.

Consumer Frequently Asked Questions

The Iowa FAIR Plan Association was created by the insurance industry and the State of Iowa to provide coverage on properties that do not qualify for insurance in the standard insurance market.

Your insurance policy was not written through the Iowa FAIR Plan Association. When you receive a Notice of Cancellation, contact your agent or contact the company for information about the Notice of Cancellation.

Insurance companies writing property insurance in Iowa are required to put contact information for the Iowa FAIR Plan Association on all Notices of Cancellation. 

Not necessarily. It probably depends on the reason for the cancellation.  If you are being canceled for nonpayment of premium you may be able to get the policy reinstated if you are able to make a premium payment within the grace period provided.  If you are being canceled for another reason you may or may not be able to get the policy reinstated. Ask your agent if similar coverage is available with another company. 

The Iowa FAIR Plan Association (Plan) should be considered a last resort when seeking property insurance coverage. The Plan’s policies generally provide less coverage than most standard market companies. 

It is impossible to compare premiums between what you have had in the past and what the Plan can offer without a complete quote. Contact a licensed insurance agent and have them help you through the application process so we can provide you with an accurate quote.

Since the Iowa FAIR Plan Association (Plan) only provides insurance to individuals who do not qualify for coverage in the standard insurance markets some agents may not have had to use our services and may not be familiar with what we do.  In most cases, if you give your agent our name and phone number they will gladly contact us on your behalf. If you make a diligent effort to find an agent to help you and are unable to do so contact the Plan and we will try to find an agent to help you.

Agents are not under contract with the Iowa FAIR Plan Association (Plan). As long as an agent is licensed to write property insurance in Iowa they can write a policy through the Plan. The interested agent should contact the Plan to get the proper forms and information necessary to request coverage for you. The Plan will be happy to discuss preliminary eligibility, offer assistance, and provide a premium quote.

Have another question?

And thanks to you, there is someone to insure my house.

Lynne M.

Thank you SO MUCH for this!! It’s truly a BLESSING!!! 

Jill H.

Thank you for being so helpful, we appreciate all that you do!

Miranda B.

I was able to get a loan to fix my home with your insurance.

Raul G.

Thanks for helping me find insurance.

Roger P.

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