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, established under Kan. Stat. Ann. §40-2142 and commonly called the Kansas FAIR Plan. It's a not-for-profit association of every property insurer licensed in the state, set up to write basic property coverage on homes the regular market won't take.

The plan operates under Kan. Stat. Ann. §40-2142, enacted in 2017 and effective July 1, 2017, which makes Kansas one of the more recently codified FAIR Plans in the country. It had roughly 11,507 habitational policies in force in fiscal year 2024 (Insurance Information Institute), placing it among the larger FAIR Plans by policy count. If you've just been non-renewed, that means the safety net is there. A FAIR Plan policy isn't a like-for-like replacement for a standard homeowners policy, though, and the rest of this page lays out what it covers, who qualifies, what it costs, and what you'd pair with it. For the term itself, see what a FAIR Plan is.

What does the Kansas FAIR Plan cover?

A narrow set of perils, written on a basic form. The Kansas FAIR Plan dwelling policy uses the AAIS FL-1 Basic Form, unusual among FAIR Plans (which more often use ISO forms); the base policy covers fire, lightning, and explosion (PropertyCasualty360 state FAIR Plans reference, July 2024). That's it on the base form.

Most of what a standard homeowners policy includes is here only as an optional named-peril add-on: windstorm and hail, riot or civil commotion, aircraft, vehicles, sudden and accidental smoke, sinkhole collapse, and volcanic action. Vandalism and malicious mischief, theft, and personal liability are separate endorsements you would have to ask the plan or your agent to add. Flood is never covered, and the plan does not write farm property.

Losses settle on an actual cash value (ACV) basis, meaning replacement cost minus depreciation. Coverage cannot exceed 100% of ACV or market value, whichever is less (Kan. Stat. Ann. 40-2142). On an older roof or older systems, the gap between ACV and replacement cost is the part homeowners are most often caught short by.

Because the base policy is this narrow, many owner-occupied buyers pair the FAIR Plan with a separate liability policy and a difference-in-conditions (DIC) wrap, a second policy that fills the gaps the FAIR Plan leaves (particularly liability, theft, and water damage). The dedicated wrap section below covers who writes those and roughly what one costs.

What are the coverage limits?

Kansas caps the FAIR Plan dwelling policy at 100% of actual cash value (ACV) or present market value, whichever is less, under Kan. Stat. Ann. 40-2142. The statute also bars writing coverage above a recent purchase price without evidence of increased value. There's no single statewide dollar maximum on the public record; the cap is property-specific.

ACV is depreciated value, not replacement cost. If rebuilding your home would cost $400,000 but its depreciated cash value is $260,000, the plan writes up to $260,000 and pays claims on the same depreciated basis. The difference between replacement cost and actual cash value is where a separate difference-in-conditions wrap usually comes in.

Contents limits and any per-property caps live in the plan's Dwelling Manual, which the Kansas All-Industry Placement Facility doesn't post on its public site. A licensed agent can pull the current figures before binding. For context on scale, the Insurance Information Institute reported roughly 11,507 Kansas FAIR Plan habitational policies in force for fiscal year 2024.

Who qualifies for the Kansas FAIR Plan?

The Kansas FAIR Plan is a last-resort insurer: you have to have tried the regular market first. Under Kan. Stat. Ann. 40-2142, an applicant must have been declined by at least three insurance companies and must be a 'responsible applicant' who is 'unable in good faith' to obtain coverage through the voluntary market.

If your non-renewal letter is from one carrier, that's one declination. Get quotes from at least two more admitted carriers; an independent agent can run several at once, and a written decline is what the plan wants in your file.

Every property is also inspected before a policy is issued. The inspector looks at condition, roof, wiring, and known hazards; serious defects can mean a conditional offer with required repairs, or a decline. Farm property is excluded outright, so a home on working agricultural land needs a farm-and-ranch carrier or an excess and surplus lines policy instead.

No separate rule is published for rental or investor-owned homes; the same three-declination, responsible-applicant standard applies. Forms and rates are filed with the Kansas Insurance Commissioner and approved within 60 days under the same statute, so the eligibility rules in your application packet are the current ones.

How do you apply for the Kansas FAIR Plan?

Through a licensed agent, not directly. The Kansas All-Industry Placement Facility, the formal name of the Kansas FAIR Plan, is written through agents: any Kansas-licensed agent who sells property insurance can submit your application. There is no restricted subset, so if you already have an agent you trust, start there. If you don't, an independent agent who runs several admitted carriers is usually the fastest path: they can confirm the voluntary market has declined you, then file the FAIR Plan application as a fallback in the same visit.

Agents file through the plan's online policy-writing system at my.ksfairplan.com (the agent portal, not a consumer-facing application). The plan itself doesn't publish a broker-finder, so if you can't locate an agent, call the plan directly at (785) 271-2300 or (800) 777-1513, or email customerservice@ksfairplan.com, and they will point you to a producer in your area (Kansas All-Industry Placement Facility, verified May 2026).

The plan doesn't publish a standard document checklist or a turnaround target on its public site; your agent will list the specifics for your property, typically the property address, the prior policy with any non-renewal notice, a replacement-cost estimate, and a photo set. Ask your agent for a binder once the application is bound, a temporary proof of coverage, if your mortgage company needs proof before the full policy issues.

Is it more expensive than a regular Kansas homeowners policy?

The Kansas FAIR Plan is generally more expensive than a standard homeowners policy for narrower coverage, though the gap is smaller here than in most states. Coverage settles at actual cash value (ACV), not replacement cost, which reduces what you collect after a loss even when the premium itself looks comparable.

Kansas sits in the band of the country with the highest severe-convective-storm exposure (tornadoes and hail), and that has pushed voluntary-market homeowners premiums up year over year. In some parts of the state, that compression can leave the FAIR Plan close to a standard policy on price, though never closer on coverage breadth (Kansas All-Industry Placement Facility, verified May 2026).

No typical-premium figure or recent rate-filing percentage is published on the plan's public site, and primary sources don't carry a Kansas-specific FAIR Plan versus standard-market comparison. National explainers tend to quote dollar figures from other states' plans, not this one. To get an actual price for your home, you apply through a licensed Kansas agent who places with the plan; the quote depends on construction, location, deductibles, and the coverage limit you select up to the statutory cap (Kan. Stat. Ann. § 40-2142).

ACV settlement matters more than the headline premium for most homeowners. If your roof is 15 years old and a hailstorm totals it, an ACV policy pays the depreciated value of that 15-year-old roof, not the cost of a new one. The gap is often thousands of dollars, and it's why a difference-in-conditions wrap matters even when the FAIR Plan itself looks affordable. For homeowners whose standard-market premium just jumped, the cost gap can be smaller than you'd expect.

What's changed recently?

The Kansas All-Industry Placement Facility carried approximately 11,507 habitational policies in force in fiscal year 2024 per the Insurance Information Institute's state-by-state compilation. That puts Kansas among the larger non-coastal FAIR Plan books by policy count, well below the Gulf and Pacific wind-and-fire programs but ahead of most plains-state pools.

The current statutory scaffolding is recent. Kansas codified the plan at Kan. Stat. Ann. §40-2142, enacted in 2017 with an effective date of July 1, 2017. That re-codification set the dwelling cap and the operating rules the plan works under today; any later rate filing, rule change, or assessment attaches to that frame.

Several figures a professional will want for this state are not cleanly on the public record. The III total-exposure entry for Kansas in FY2024 reads approximately $949 (in $000s), which is internally inconsistent with a roughly 11,500-policy book and is treated here as a reporting anomaly rather than a publishable number; the plan's own annual report is the place to pull a current exposure figure. No public rate filings of note, no announced member-insurer assessments, and no depopulation or takeout program have surfaced in Kansas filings or trade reporting at the time of writing. The Kansas FAIR Plan Alliance reports portal at fairplanalliance.com is access-controlled; the plan itself is the route to the current annual report. See the changelog as those figures are released.

What's a difference-in-conditions wrap, and do you need one in Kansas?

A difference-in-conditions policy (DIC, sometimes called a "wrap") is a second policy that fills the gaps a narrow base policy leaves: liability, theft, water damage, and other perils a standard homeowners policy (HO-3) covers but a FAIR Plan does not. In states like California, named DIC products from specialty carriers are common. In Kansas, no formally named DIC/wrap product is on the public record as of May 2026 (Kansas All-Industry Placement Facility).

That doesn't mean you go without the missing coverage. The Kansas FAIR Plan writes a fire-base policy and lets you add wind/hail, liability, and theft as options on the same policy. Brokers can also pair the FAIR Plan with a separate liability policy from another carrier to round out what's missing. The effect is similar to a DIC wrap, assembled from separate parts.

For a closing on a clock, the lender wants dwelling coverage at replacement cost on the binder. The FAIR Plan dwelling limit, plus the wind/hail rider where relevant, are the load-bearing pieces; liability can be settled after close. Ask the independent agent on your file to itemise the FAIR Plan declarations and any companion policy on one binder, so the underwriter signs off in a single pass.

Typical extra cost for the companion coverage isn't published for Kansas. Get any companion quote in writing alongside the FAIR Plan quote so the total premium sits on one page before close.

What should you try before the Kansas FAIR Plan?

Before the FAIR Plan, the standard escalation is: admitted carriers first, then smaller specialty admitted carriers, then excess and surplus (E&S) lines, then the plan. An independent agent can run that ladder for you in one sitting.

Specialty admitted carriers are regional or non-standard insurers, state-licensed like the national companies and backed by the Kansas guaranty fund if they become insolvent. They sometimes write homes that State Farm, Allstate, or Farmers have declined. Ask about them before going non-admitted.

E&S carriers, the non-admitted market, write risks admitted carriers refuse. They are regulated by their home state, not Kansas, and the Kansas guaranty fund does not back them. Premiums tend to run higher, and policy terms can be more restrictive than a standard policy. For a hard-to-insure home, an older roof, prior claims, brush exposure, or wood-shake siding, an E&S carrier is often the practical alternative to the FAIR Plan; the policy form is usually broader than the AAIS FL-1 Basic Form the Kansas FAIR Plan writes. See admitted vs. surplus lines for the full distinction.

The order matters because admitted protection (state guaranty fund, state regulation) is worth keeping if you can. Most homeowners only land at the FAIR Plan after the first three rungs say no.

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

A non-renewal letter is unsettling, especially after years of clean claims. The work splits into two parallel tracks: shop the regular market hard first, then line up the Kansas FAIR Plan as the backstop if shopping comes up empty. You can do most of this in a week.

1. Read the notice and write down the dates that matter. Note the date the letter was issued, the date coverage ends, and the reason given for non-renewal. Your current coverage is in force until that end date, which is the deadline you're working back from.
2. Pull three quotes from admitted carriers through an independent agent. An independent agent can run quotes with several carriers at once, including small regional and specialty insurers most people haven't heard of. Ask specifically about carriers that write in your county and your home's age and roof type, because appetite varies a lot by ZIP.
3. Ask the agent to also quote the excess and surplus (E&S) market. E&S carriers are non-admitted, meaning they're not backed by the state guaranty fund, but they will write risks admitted insurers decline. An E&S policy is often broader than a FAIR Plan policy and worth pricing before defaulting to the plan.
4. If the admitted and E&S quotes don't work, apply for the Kansas All-Industry Placement Facility through a Kansas-licensed agent. The plan is accessed through agents, not direct, and you'll need the declination information from the carriers that turned you down.
5. Price a difference-in-conditions (DIC) wrap alongside the FAIR Plan quote. A FAIR Plan policy is named-peril and excludes liability and theft; a DIC policy from a specialty carrier fills those gaps. Quote them as a package so you can compare the total to what you were paying before.

A full walk-through, including what to say to your mortgage servicer, is on the non-renewal notice page.