As noted on the previous page, Fair Access to Insurance Requirements (FAIR) Plans were created to make property insurance more readily available to those who have difficulty obtaining it because of abnormal exposure to risks over which they have no control. The plans make insurance available to properties regardless of location or exposure. All FAIR Plan policies insure against losses from fire, vandalism, riot and windstorm. Some also sell homeowners insurance, which includes liability coverage. The California FAIR Plan also covers areas prone to brush fires.

The total coverage for all lines of Ohio FAIR Plan exposure increased from about $3.75 billion in 1998 to about $3.83 billion in 1999. Ohio represented about 2.7% of the nation’s total insurance coverage provided through FAIR plans in 1999, based on total coverage (exposure).