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How does one get coverage from an “insurer of last resort?”


Since the plans are state operated, the procedures vary for accessing “insurer of last resort” coverage. In some states one has to contact an insurance agent and ask them to arrange coverage. Some states allow the applicant to decline the use of an agent and deal directly with the plan by telephone or online. Check with your state plan to see how to proceed.

The insurers of last resort for the 16 coastal states are:

Florida: Citizens Property Insurance Corp.
http://www.citizensfla.com/contact.asp

Texas: Texas Windstorm Insurance Association
http://www.twia.org/

Massachusetts: Massachusetts Property Insurance Underwriting Association
http://www.mpiua.com/

North Carolina: North Carolina Joint Underwriters Association
North Carolina Insurance Underwriting Association
http://www.ncdoi.com/Consumer/consumer_homeowners.asp

South Carolina: South Carolina Wind and Hail Underwriting Association
http://www.scwind.com/

New Jersey: Citizens Property Insurance Corp. 866-411-2742 (866-411-CPIC)
http://www.state.nj.us/hurricane/insquestions.html

New York: New York Property Insurance Underwriting Association
http://www.nypiua.com/

Virginia: Virginia FAIR Plan
http://www.vpia.com/producers/newsletters/August2005.pdf

Georgia: Georgia Underwriting Association
http://www.georgiaunderwriting.com/

Louisiana: Louisiana Citizens Property Insurance Corporation
http://www.lacitizens.com/

Maryland: Maryland Joint Insurance Association
http://www.mdjia.org/

Delaware: Insurance Placement Facility of Delaware
http://www.defairplan.com/

Alabama: Alabama Insurance Underwriting Association
http://www.alabamabeachpool.org/ Insurance Placement Facility of Delaware

Connecticut: Connecticut FAIR Plan
http://www.ctfairplan.com/


Rhode Island: Rhode Island Joint Reinsurance
http://www.rijra.com/

Mississippi: Mississippi Windstorm Underwriting Association
http://www.msplans.com/mwua/


Mississippi Residential Property Insurance Underwriting Association
http://www.msplans.com/MRPIUA/about_us.shtml

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