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Oregon has a FAIR Plan
Oregon has a FAIR Plan. The Division of Financial Regulation calls it the insurer of last resort when you cannot find coverage in the standard market. You must have been declined by two standard companies. Premiums are often higher. Coverage is often thinner. Surplus lines is a different market. This is not California’s FAIR Plan and not R327.
You are holding two decline letters. The agent mentions FAIR Plan or surplus lines. Those are not the same quote.
This is an insurance satellite of /insurance/. It is not a second hub. Do not use a house-level hub graphic as a policy form.
Why it matters
A lot of Oregon search still says there is no FAIR Plan. DFR’s public page says there is. Using the California residual market as a stand-in will get the wrong application, the wrong limits, and the wrong credits. Safer from Wildfires is not Oregon. IBHS does not replace adopted code, and it does not replace a policy.
How the markets split
| Market | What DFR says | What it is not |
|---|---|---|
| Standard (admitted) | Shop 100+ writers. SB 82 requires property-specific reasons for nonrenewal or increase | A hardening permit |
| Oregon FAIR Plan | Last resort after two standard declines. Often more expensive, less comprehensive | California FAIR Plan |
| Surplus lines | Risks the standard market typically will not write. Often more comprehensive, higher premium | The FAIR Plan application |
DFR’s 11 May 2023 news release said the Plan raised dwelling limits to $600,000 (personal) and $1 million (commercial). Confirm today’s limit with the Plan. This page does not quote your premium.
The paths
1. Stay in the standard market if you can. Ask what hardening or defensible-space work would change the underwrite. DFR says insurers may require those assessments. See hardening ladder.
2. FAIR Plan. Two declines. Apply through the Plan at orfairplan.com. Read the actual policy. Actual cash value vs replacement cost is a different DFR FAQ.
3. Surplus lines. Broker. Oregon Surplus Line Association. Higher premium, often broader form.
4. Do not mix California credits. Safer from Wildfires percentages stay in California.
What people mix up
- “Oregon has no FAIR Plan.”
- FAIR Plan as surplus lines.
- IBHS as a premium statute.
- 2023 limit numbers as a 2026 quote.
How to check
- Open DFR help with home insurance.
- Count standard-market declines.
- Ask which market the quote is. FAIR, surplus, or admitted.
- Call DFR consumer advocacy at the number on that page if a nonrenewal looks like a code violation.
Limits
This page does not sell a policy. It does not quote a premium. FireApproved is not DFR and not the AHJ. Limits change. Confirm with the Plan.
Related records
Questions
Does Oregon have a FAIR Plan?
Yes. The Oregon Division of Financial Regulation describes the Oregon FAIR Plan as a policy of last resort if you cannot find coverage in the standard market. You must have been declined by two standard insurance companies. Premiums are often more expensive and coverage less comprehensive than the standard market.
Is that the same as California FAIR Plan?
No. California’s FAIR Plan is a different residual market with different filings. Do not paste California discount schedules onto an Oregon policy. See Safer from Wildfires is not Oregon.
Does the FAIR Plan replace R327 or IBHS?
No. Construction code and a designation are not insurance. Hardening may help you shop. It is not a FAIR Plan application.