What Is TFPA?

Texas FAIR Plan Association (TFPA) provides residential property insurance throughout the state of Texas. We are what’s known as a “residual market insurer.” This means we were established to provide insurance to property owners who are denied this coverage from private insurance companies.

To be eligible for a TFPA policy, you must be denied coverage by at least two private insurance companies. Learn more about our eligibility requirements on our dedicated webpage.

About TFPA Coverage
TFPA provides coverage through four types of policies: Dwelling, Homeowners, Condominium, and Tenant.

Coverage available through the Texas FAIR Plan is not as comprehensive as what is available through many private insurance companies. Some perils (causes of damage) that other insurers may cover, but TFPA does not, include falling trees or limbs; backed up sewer or drains; frozen pipes; damage from the weight of snow, ice, or sleet; and more. Learn more about our policies and coverage types on our dedicated webpage.

How to Get a TFPA Policy
TFPA does not sell policies directly to property owners. However, many private insurance companies can help you get a TFPA policy. Visit our Find an Agent webpage to find one in your area.

Authorized in 1995, Established in 2002
In 1995, the Texas Legislature passed a law authorizing the future establishment of the Texas Fair Access to Insurance Requirements (FAIR) Plan. In the law, the Texas Commissioner of Insurance was empowered to activate the FAIR Plan if they believed private companies were no longer providing enough insurance in the state.

In 2002, the Commissioner of Insurance activated the FAIR Plan. At that time, Texas was experiencing a mold crisis. High numbers of mold and water damage claims were being reported, and in response many private insurance companies started writing fewer policies in the state. TFPA was established to help bridge this gap.