Texas FAIR Plan Association (TFPA) provides residential property insurance throughout the state of Texas. We are what’s known as a “residual market insurer.” This means we were established to provide insurance to […]
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What does a TFPA policy cover?
Before qualifying for TFPA, find an agent.
To be eligible for TFPA coverage, a property must meet certain requirements established by the Texas Legislature. These include property type (residential dwellings, townhouse units, etc.), denial of coverage from at least two insurance companies actively writing residential property coverage in Texas, adherence to underwriting guidelines of ownership, condition, occupancy, and more.
TFPA does not sell policies directly to consumers. To obtain coverage, you will need to work with a Texas-licensed insurance agent who is registered with us (find one here).
TFPA was established by the Texas Legislature to provide essential property insurance for eligible Texas policyholders when no one else will. The Texas Legislature provided the statutory authority for the creation of the Texas FAIR Plan Association in 1995. That statute was enacted in 2002 and TFPA was created.
Texas FAIR Plan Association does not compete with the private market and applicants must have two declinations from other insurers in order to obtain coverage with TFPA.