Kansas FAIR Plan: what it covers, what it costs, who qualifies

Does Kansas have a FAIR Plan?

Yes. Kansas has a FAIR Plan: the Kansas All-Industry Placement Facility, the state's insurer of last resort, set up under Kan. Stat. Ann. 40-2142 (effective January 1, 2018). Roughly 11,507 habitational policies were in force in fiscal year 2024 (Kansas All-Industry Placement Facility). If you've been non-renewed, this is the backstop.

The plan isn't a state agency. It's a not-for-profit association of property insurers admitted to write in Kansas, pooling the risk on homes the voluntary market has declined. No taxpayer money funds it. Kansas's enabling law is also comparatively recent: Kan. Stat. Ann. 40-2142 took effect January 1, 2018, decades after most other state FAIR Plans (Kansas All-Industry Placement Facility).

Coverage is narrower than a standard homeowners (HO-3) policy and typically costs more. You generally apply through a licensed Kansas agent or broker rather than direct; the plan's main site is ksfairplan.com and customer service runs through (785) 271-2300 (Kansas All-Industry Placement Facility).

What does the Kansas FAIR Plan cover (and exclude)?

The Kansas All-Industry Placement Facility, the formal name of the Kansas FAIR Plan, writes a deliberately narrow dwelling policy. Base perils are fire, lightning, and explosion, written on the AAIS FL-1 Basic Form (PropertyCasualty360, July 2024). That form is unusual: most state FAIR Plans use ISO forms; Kansas uses an AAIS form instead.

Everything beyond fire is optional. Extended-coverage perils that can be added: windstorm and hail, riot or civil commotion, aircraft, vehicles, sudden and accidental smoke damage, sinkhole collapse, and volcanic action. Vandalism and malicious mischief is a separate endorsement. Theft and personal liability can be added where the plan offers them. This is a named-peril policy: if the cause of loss isn't on that list, the policy doesn't respond.

Two things are explicitly out: flood and farm property. For flood you need NFIP or a private-flood line; for farm structures, a farm-and-ranch carrier.

Two more details matter. Losses pay on an actual-cash-value basis, not replacement cost: the depreciated value of what was damaged. Under Kan. Stat. Ann. 40-2142, settlement cannot exceed 100% of ACV or market value, whichever is less. And a wrap is typical here. Kansas doesn't have a single named "DIC" product, but brokers routinely pair the FAIR Plan dwelling policy with a separate liability policy and the available endorsements (Kansas All-Industry Placement Facility). What a wrap usually covers, and roughly what it costs, sits in the wrap (DIC) section below.

What is the maximum dwelling coverage on the Kansas FAIR Plan?

The Kansas FAIR Plan doesn't publish a flat statewide dollar cap. Instead it pegs the dwelling limit to the home itself: coverage cannot exceed 100% of the property's actual cash value or its present market value, whichever is lower (Kan. Stat. Ann. §40-2142, verified May 2026). If you bought the house recently, the limit also cannot exceed the purchase price unless you can show evidence the property has gained value since.

Two things follow from this. The policy settles claims on an actual cash value basis: depreciated value, not the cost to rebuild. On older homes, where depreciation is heaviest, the gap can be substantial; see replacement cost vs actual cash value for the math. And because the cap is property-specific rather than a stated statewide maximum, the only way to confirm what you can actually buy on your address is to have a licensed agent run the Dwelling Manual figures before you apply.

A per-property dollar maximum and the published contents sub-limit are set in the plan's Dwelling Manual on my.ksfairplan.com, which is access-controlled to producers; those numbers are not on the public record at the time of writing.

Who is eligible for the Kansas FAIR Plan?

If at least three insurance companies have turned you down and your home isn't a farm, you most likely qualify. Under Kan. Stat. Ann. §40-2142, the Kansas All-Industry Placement Facility (the Kansas FAIR Plan) writes coverage for any "responsible applicant" who, after a good-faith effort, cannot obtain a property policy in the voluntary market (Kansas Office of Revisor of Statutes, verified May 2026).

Three declinations means three formal refusals from licensed Kansas insurers, not three quotes that came back high. Keep the letters or emails; the plan asks for them on the application. An independent agent can usually generate the three declinations in a single round by running your home through admitted carriers.

The property is subject to inspection before the plan issues a policy. If the inspection turns up issues, you'll typically need to address them before coverage begins (Kan. Stat. Ann. §40-2142).

Farm property is excluded outright. The statute doesn't carve out rental or investor-owned homes from eligibility, so a landlord or small investor with three declinations can apply on the same basis as an owner-occupant. All Kansas FAIR Plan policy forms and rates pass through the Kansas Insurance Commissioner, who has 60 days to approve a filing.

How to apply for the Kansas FAIR Plan

You apply through a licensed Kansas insurance agent, not directly. Any agent who sells property insurance in the state can submit the application; you don't need to find a specially appointed broker (Kansas All-Industry Placement Facility, verified May 2026). The agent files it electronically through the plan's policy-writing system at my.ksfairplan.com, so a quote and bindable terms typically come back the same day or the next business day once the application is complete.

Before you call an agent, pull together what they'll need: the property address, year built, square footage, roof age and material, the rebuild estimate you want the policy written to, current mortgage information, and any prior carrier's non-renewal or cancellation notice. If a lender is waiting on proof of coverage, ask the agent for an insurance binder as soon as the policy is bound; that's the document underwriters and closing agents accept while the full policy is being issued.

If your current agent doesn't want to write through the plan, or doesn't know how, the plan itself will help you find one. The Kansas All-Industry Placement Facility takes consumer calls at 785-271-2300 or 800-777-1513, and answers email at customerservice@ksfairplan.com; the office is at 2942A SW Wanamaker Dr., Suite 250, Topeka, KS 66614 (Kansas All-Industry Placement Facility). The plan won't sell you a policy on that call, but they will point you to an agent who can.

What does a Kansas FAIR Plan policy cost, and how does that compare?

A Kansas FAIR Plan policy is generally more expensive than a standard homeowners policy for narrower coverage (Kansas All-Industry Placement Facility, verified May 2026). It pays losses on an actual-cash-value basis, not replacement cost: the insurer subtracts depreciation from the payout, so a 20-year-old roof is paid as a 20-year-old roof, not as a new one. That gap, the depreciation taken off the check at claim time, is the part of the price you don't see on the declarations page.

The gap to the voluntary market in Kansas can be narrower than people expect. Kansas sits in the severe convective storm belt, and tornado and hail losses have pushed standard-market rates up sharply in recent years, so the premium you'd pay an admitted carrier for an HO-3 is already high. The plan still costs more in most cases, especially once you account for the ACV settlement and the missing liability, theft, and water coverages, but the percentage gap is not always the multiple seen in wildfire states.

The plan does not publish a current Kansas average premium, and no recent Kansas FAIR Plan rate-filing percentage is on the public record at the time of writing. If you've just been non-renewed and your premium has already jumped in the voluntary market, the safest move is to get written quotes from at least three admitted carriers through an independent agent before going to the plan, then price the plan plus a difference-in-conditions wrap (covered below) as a single package. Treat the FAIR Plan number as the floor of your real cost, not the ceiling, because the wrap, the higher deductible, and the depreciation on a partial loss all add to it.

What's changed recently in Kansas

The Kansas FAIR Plan, formally the Kansas All-Industry Placement Facility, carried roughly 11,507 habitational policies in force in fiscal year 2024 (Insurance Information Institute, FY2024), one of the larger non-coastal FAIR Plans by policy count. That headline figure is the most current public number; III hasn't published a comparable in-force series for Kansas alongside it, so year-over-year movement isn't on the public record.

The plan's current statutory basis is recent. Kan. Stat. Ann. 40-2142 was enacted in 2017 and took effect January 1, 2018 (Insurance Information Institute, FY2024), restating the facility's authority and the participating-insurer assessment mechanics. No rate filings, structural amendments, or depopulation or takeout programs for the Kansas facility surfaced in this research; what's typically reported elsewhere, Florida Citizens depopulation rounds, the California FAIR Plan's 2025 member assessment, Louisiana Citizens takeout incentives, has no Kansas counterpart on the public record. The facility itself doesn't publish a public-facing annual report; the Fair Plan Alliance reports portal is access-restricted, and the deeper figures sit with the facility directly.

One reporting note worth carrying through to any client-facing summary: the III FY2024 total-exposure value for Kansas is anomalously low relative to the policy count and is flagged as a likely reporting artifact. Treat the policy count as load-bearing and the III exposure figure as not yet verifiable against the facility's own books. The facility's contact channel, or a direct request to Fair Plan Alliance, is the route to a clean exposure number; the absence of that figure is itself the current state of the record. See the dated additions on the changelog as the facility's own numbers come in.

Adding a wrap policy alongside the Kansas FAIR Plan

Most Kansas FAIR Plan buyers need a second policy alongside it. The plan writes on the AAIS FL-1 Basic Form: fire and lightning are in by default, with wind/hail, liability, and theft as optional add-ons (Kansas All-Industry Placement Facility, verified May 2026). A standard HO-3 covers all of that and more, plus water damage and a much wider list of perils, which is why a lender's binder almost always needs more than the FAIR Plan on its own.

That second policy is usually called a difference-in-conditions policy, sometimes called a 'wrap': a separate policy that fills the perils and coverages the FAIR Plan leaves out. In states with active wildfire FAIR Plans, several admitted and non-admitted carriers market named DIC products. In Kansas, no carrier currently markets a formal DIC product tied to the FAIR Plan; the practical equivalent is a broker assembling separate pieces, typically a standalone personal liability policy, optional theft and water-damage coverage either through the FAIR Plan's own add-ons or via excess and surplus lines, and a flood policy through the NFIP or a private writer where flood risk applies (Kansas All-Industry Placement Facility, verified May 2026).

Premium for that second policy depends entirely on which gaps you are filling and which carrier writes it. Ask the independent agent placing the FAIR Plan to quote the wrap before you commit, so your lender sees the combined coverage and the combined cost together.

Before the FAIR Plan: try E&S and specialty admitted carriers

Before falling back to the Kansas All-Industry Placement Facility, ask your agent to shop two adjacent markets first: specialty admitted carriers and the surplus-lines market.

A specialty admitted carrier is a smaller insurer the Kansas Insurance Department licenses, often a regional one that still writes in rural or higher-risk counties after the big national brands pull back. Its policy is a normal homeowners form, backed by the state guaranty fund.

Excess and surplus lines (E&S) is the non-admitted market: carriers not licensed in Kansas but allowed to write here through a licensed surplus-lines broker. E&S exists for risks the admitted side declines. Premiums usually run higher than admitted, but the policy form is typically broader than a FAIR Plan dwelling form, which is named-peril only and excludes liability and theft.

Either path usually keeps you on a fuller policy than the plan, which is why it is worth the call before defaulting to the FAIR Plan.

What to do this week if you've been non-renewed

A non-renewal letter is jarring, especially after years with no claims. The steps below put you back in control, in order.

1. Read the letter carefully and note your end-of-coverage date. Your current policy is still in force until that date, which usually gives you weeks to line up replacement coverage, not hours. Mark the date and work backward from there.
2. Get quotes from at least three admitted carriers before going to the FAIR Plan. An independent agent can run several at once. Tell them your roof age, distance to a fire hydrant, any prior claims, and the reason given for the non-renewal. The admitted market is your first stop because its policies cover more perils for less money.
3. If admitted carriers decline, ask a licensed Kansas agent to place you with the Kansas All-Industry Placement Facility. You cannot apply directly; access is agent- and broker-only. Any property-and-casualty agent licensed in Kansas can submit your application.
4. Pull your documents together before the application. Have your current declarations page, a recent inspection or photos of the home, the year of the roof, and any prior claims handy. A clean, complete submission shortens turnaround.
5. Plan for the gaps. The Placement Facility writes a narrow named-peril policy and excludes liability, theft, and water damage. Ask your agent about a difference-in-conditions (DIC) wrap that fills those gaps, and price flood and earthquake separately if your home needs them.
6. Tell your mortgage servicer what you're doing. Lenders panic at lapse notices. A short email saying you have replacement coverage in progress, with the expected effective date, usually prevents force-placed insurance (the costly coverage a lender adds when yours lapses).

For the full step-through, see: what to do after a non-renewal notice →