How we create & review our content.
Our goal is accurate, current, and genuinely useful information about FAIR Plan programs and the alternatives property owners may have. Here is how we produce and maintain it.
Written and reviewed by a licensed broker
The FAQs and state-by-state questions on this site are authored and reviewed by Brian Joyner, a New York state–licensed Property & Casualty insurance broker (NY license #1984153). Content reflects a licensed professional's understanding of FAIR Plan programs and property insurance alternatives.
Dated for freshness
Every answer carries a last-updated date and is periodically reviewed. When programs, availability, or best practices change, we update the affected pages and revise the date.
Sourced from official materials
State residual-market and FAIR Plan information is based on official state Department of Insurance and FAIR Plan / residual-market association materials. Where a specific program is named, we point to authoritative sources.
Informational, not a substitute for advice
Our content is educational. It is not an offer of insurance, a binder of coverage, or individualized advice. Coverage, eligibility, and pricing vary by property, location, and market conditions at the time you shop.
Independent and transparent
FAIR Plan Solutions is operated by Open Management Group, LLC. It is not a FAIR Plan association, is not a carrier, and is not affiliated with or endorsed by any government agency or state insurance program. There is no fee to get a quote.