When private insurers won't write a property in a wildfire or hurricane state, the state's residual-market insurer (a FAIR Plan or a corporation like Florida's Citizens) is the fallback — but the dollar limits and the rule that determines who is even eligible differ by state and are stated only in that state's own statute or program announcement. Each record is one state's program, carrying its coverage-category limit and, where the source states one, the rule that makes a property ineligible. Answers 'what's the maximum FAIR Plan payout in California', 'why would Florida Citizens turn down my house', 'which states cap eligibility by a dollar replacement-cost figure vs. a pricing-comparison rule'.

US state statute and state-agency announcements — facts not copyrightable (Feist, 1991); statute and release text quoted, not reproduced in full

State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(a)3.b.

**Coverage category:** a personal lines residential structure

**Coverage limit:** a dwelling replacement cost of less than $1 million

**Eligibility / ineligibility rule:** The requirements of sub-subparagraph a. do not apply in counties where the office determines there is not a reasonable degree of competition. In such counties a personal lines residential structure that has a dwelling replacement cost of less than $1 million, or a single condominium unit that has a combined dwelling and contents replacement cost of less than $1 million, is eligible for coverage by the corporation.

> The requirements of sub-subparagraph a. do not apply in counties where the office determines there is not a reasonable degree of competition. In such counties a personal lines residential structure that has a dwelling replacement cost of less than $1 million, or a single condominium unit that has a combined dwelling and contents replacement cost of less than $1 million, is eligible for coverage by the corporation.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · a personal lines residential structure — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(a)5.a.

**Coverage category:** a personal lines residential structure that is located in the “wind-borne debris region,”

**Coverage limit:** an insured value on the structure of $750,000 or more

**Eligibility / ineligibility rule:** a personal lines residential structure that is located in the “wind-borne debris region,” as defined in s. 1609.2, International Building Code (2006), and that has an insured value on the structure of $750,000 or more is not eligible for coverage by the corporation unless the structure has opening protections as required under the Florida Building Code for a newly constructed residential structure in that area

**Effective / announcement date:** Effective January 1, 2009

> 5.a. Effective January 1, 2009, a personal lines residential structure that is located in the “wind-borne debris region,” as defined in s. 1609.2, International Building Code (2006), and that has an insured value on the structure of $750,000 or more is not eligible for coverage by the corporation unless the structure has opening protections as required under the Florida Building Code for a newly constructed residential structure in that area. A residential structure is deemed to comply with this sub-subparagraph if it has shutters or opening protections on all openings and if such opening protections complied with the Florida Building Code at the time they were installed.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · a personal lines residential structure that is located in the “wind-borne debris region,” — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(c)

**Coverage category:** a policy for mobile homes or manufactured homes

**Coverage limit:** a minimum insured value of at least $3,000

> The corporation shall make available a policy for mobile homes or manufactured homes for a minimum insured value of at least $3,000.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · a policy for mobile homes or manufactured homes — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(aa)1.d.

**Coverage category:** all other personal lines residential property insured by the corporation

**Eligibility / ineligibility rule:** all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more. c. January 1, 2026, for a structure that has a dwelling replacement cost of $400,000 or more. d. January 1, 2027, for all other personal lines residential property insured by the corporation.

**Effective / announcement date:** January 1, 2027

> 1. Except as provided in subparagraphs 2. and 3., all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more. c. January 1, 2026, for a structure that has a dwelling replacement cost of $400,000 or more. d. January 1, 2027, for all other personal lines residential property insured by the corporation.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · all other personal lines residential property insured by the corporation — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(aa)1.b.

**Coverage category:** all personal lines residential policyholders

**Coverage limit:** a dwelling replacement cost of $500,000 or more

**Eligibility / ineligibility rule:** all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more.

**Effective / announcement date:** January 1, 2025

> 1. Except as provided in subparagraphs 2. and 3., all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · all personal lines residential policyholders — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(aa)1.c.

**Coverage category:** all personal lines residential policyholders

**Coverage limit:** a dwelling replacement cost of $400,000 or more

**Eligibility / ineligibility rule:** all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more. c. January 1, 2026, for a structure that has a dwelling replacement cost of $400,000 or more.

**Effective / announcement date:** January 1, 2026

> 1. Except as provided in subparagraphs 2. and 3., all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more. c. January 1, 2026, for a structure that has a dwelling replacement cost of $400,000 or more.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(aa)1.a.

**Coverage category:** all personal lines residential policyholders

**Coverage limit:** a dwelling replacement cost of $600,000 or more

**Eligibility / ineligibility rule:** all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more.

**Effective / announcement date:** January 1, 2024

> 1. Except as provided in subparagraphs 2. and 3., all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(a)5.b.

**Coverage category:** Any major structure

**Eligibility / ineligibility rule:** that is newly constructed, or rebuilt, repaired, restored, or remodeled to increase the total square footage of finished area by more than 25 percent, pursuant to a permit applied for after July 1, 2015, is not eligible for coverage by the corporation if the structure is seaward of the coastal construction control line

**Effective / announcement date:** July 1, 2015

> b. Any major structure, as defined in s. <https://www.flsenate.gov/Laws/Statutes/2025/161.54> 161.54 (6)(a), that is newly constructed, or rebuilt, repaired, restored, or remodeled to increase the total square footage of finished area by more than 25 percent, pursuant to a permit applied for after July 1, 2015, is not eligible for coverage by the corporation if the structure is seaward of the coastal construction control line established pursuant to s. <https://www.flsenate.gov/Laws/Statutes/2025/161.053> 161.053 or is within the Coastal Barrier Resources System as designated by 16 U.S.C. ss. 3501-3510.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · Any major structure — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California FAIR Plan Association, “About” page

**Coverage category:** basic property insurance

**Eligibility / ineligibility rule:** established by statute to provide basic property insurance to Californians statewide when no other option is reasonably available

> The CA FAIR Plan is an insurer of last resort, established by statute to provide basic property insurance to Californians statewide when no other option is reasonably available.

Source: <https://www.cfpnet.com/about-fair-plan/>

California · basic property insurance — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California Department of Insurance news release, Wednesday, March 29, 2023 — “Commissioner Lara and FAIR Plan reach agreement to increase commercial coverage limit to $20 million”

**Coverage category:** commercial coverage limits

**Coverage limit:** more than double its existing commercial coverage limits to $20 million

**Eligibility / ineligibility rule:** for businesses unable to find coverage in the normal insurance marketplace

> Insurance Commissioner Ricardo Lara today announced the California FAIR Plan Association has agreed to more than double its existing commercial coverage limits to $20 million for businesses unable to find coverage in the normal insurance marketplace. The FAIR Plan is an association comprised of all insurers authorized to transact basic property insurance in California, and designed to be the state’s property “insurer of last resort,” writing coverage for businesses and residences when other insurance options are not available.

Source: <https://www.cfpnet.com/about-fair-plan/commissioner-lara-and-fair-plan-reach-agreement-to-increase-commercial-coverage-limit-to-20-million/>

California · commercial coverage limits — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Windstorm insurance risk apportionment plan — the association formed under Fla. Stat. § 627.351(2)

**Citation / source:** Fla. Stat. § 627.351(2)(c)... windstorm apportionment plan

**Coverage category:** commercial lines residential risks

**Coverage limit:** limits up to $10 million for commercial lines residential risks

**Eligibility / ineligibility rule:** The association must accept a commercial lines residential risk with limits above $10 million or a personal lines residential risk with limits above $1 million if coverage is not available in the authorized market.

> c. The association shall provide for windstorm coverage on residential properties in limits up to $10 million for commercial lines residential risks and up to $1 million for personal lines residential risks. If coverage with the association is sought for a residential risk valued in excess of these limits, coverage shall be available to the risk up to the replacement cost or actual cash value of the property, at the option of the insured, if coverage for the risk cannot be located in the authorized market. The association must accept a commercial lines residential risk with limits above $10 million or a personal lines residential risk with limits above $1 million if coverage is not available in the authorized market.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · commercial lines residential risks — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(c)5.c.

**Coverage category:** commercial lines residential risks

**Eligibility / ineligibility rule:** the risk is not eligible for a policy issued by the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the premium for comparable coverage from the corporation

> c. With respect to commercial lines residential risks, for a new application to the corporation for coverage, if the risk is offered coverage under a policy including wind coverage from an authorized insurer at its approved rate, the risk is not eligible for a policy issued by the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the premium for comparable coverage from the corporation. Whenever an offer of coverage for a commercial lines residential risk is received for a policyholder of the corporation at renewal from an authorized insurer, the risk is not eligible for coverage with the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the corporation’s renewal premium for comparable coverage. If the risk is not able to obtain any such offer, the risk is eligible for a policy including wind coverage issued by the corporation.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California Department of Insurance, “California FAIR Plan” consumer information page, “What do changes to the FAIR Plan mean for policyholders?”

**Coverage category:** commercial policies per location

**Coverage limit:** $20 million

> Higher coverage limits: $3 million for residential policyholders and $20 million for commercial policies per location.

Source: <https://www.insurance.ca.gov/01-consumers/200-wrr/California-FAIR-Plan.cfm>

California · commercial policies per location — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan

**Citation / source:** California FAIR Plan Association — “Dwelling” program page, cfpnet.com/policies/dwelling/

**Coverage category:** Condominium Unit Owners

**Eligibility / ineligibility rule:** Personal property and improvements coverage for a condominium unit owner.

> Condominium Unit Owners Personal property and improvements coverage for a condominium unit owner.

Source: <https://www.cfpnet.com/policies/dwelling/>

California · Condominium Unit Owners — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(a)3.a.

**Coverage category:** coverage for personal lines residential structures

**Coverage limit:** a dwelling replacement cost of $700,000 or more

**Eligibility / ineligibility rule:** a structure that has a dwelling replacement cost of $700,000 or more, or a single condominium unit that has a combined dwelling and contents replacement cost of $700,000 or more, is not eligible for coverage by the corporation

**Effective / announcement date:** Effective January 1, 2017

> 3. With respect to coverage for personal lines residential structures: a. Effective January 1, 2017, a structure that has a dwelling replacement cost of $700,000 or more, or a single condominium unit that has a combined dwelling and contents replacement cost of $700,000 or more, is not eligible for coverage by the corporation.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · coverage for personal lines residential structures — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California Department of Insurance news release, Wednesday, March 29, 2023 — “Commissioner Lara and FAIR Plan reach agreement to increase commercial coverage limit to $20 million”

**Coverage category:** Division I Commercial Property Program

**Coverage limit:** from $8.4 million to $20 million per location

**Effective / announcement date:** Today’s agreement signed by Commissioner Lara and FAIR Plan President Victoria Roach

> Today’s agreement signed by Commissioner Lara and FAIR Plan President Victoria Roach will increase the combined coverage limits for the FAIR Plan, under its Division I Commercial Property Program, from $8.4 million to $20 million per location and, under its Division II Businessowners Program, from $7.2 million to $20 million per location.

Source: <https://www.cfpnet.com/about-fair-plan/commissioner-lara-and-fair-plan-reach-agreement-to-increase-commercial-coverage-limit-to-20-million/>

California · Division I Commercial Property Program — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California Department of Insurance news release, Wednesday, March 29, 2023 — “Commissioner Lara and FAIR Plan reach agreement to increase commercial coverage limit to $20 million”

**Coverage category:** Division II Businessowners Program

**Coverage limit:** from $7.2 million to $20 million per location

**Effective / announcement date:** Today’s agreement signed by Commissioner Lara and FAIR Plan President Victoria Roach

> Today’s agreement signed by Commissioner Lara and FAIR Plan President Victoria Roach will increase the combined coverage limits for the FAIR Plan, under its Division I Commercial Property Program, from $8.4 million to $20 million per location and, under its Division II Businessowners Program, from $7.2 million to $20 million per location.

Source: <https://www.cfpnet.com/about-fair-plan/commissioner-lara-and-fair-plan-reach-agreement-to-increase-commercial-coverage-limit-to-20-million/>

California · Division II Businessowners Program — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan

**Citation / source:** California FAIR Plan Association — “Dwelling” program page, cfpnet.com/policies/dwelling/

**Coverage category:** Dwelling policies

**Eligibility / ineligibility rule:** The California FAIR Plan offers Dwelling policies for customers that are unable to purchase coverage with a traditional insurance company.

> The California FAIR Plan offers Dwelling policies for customers that are unable to purchase coverage with a traditional insurance company. Dwelling Property Types Covered If you are unable to purchase coverage with a traditional insurance company, the California FAIR Plan offers a temporary solution for the following occupancy types:

Source: <https://www.cfpnet.com/policies/dwelling/>

California · Dwelling policies — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California FAIR Plan Association — “About the California FAIR Plan”; establishing statute cited on the page as California Insurance Code sections 10090 et seq.

**Coverage category:** fire coverage

**Eligibility / ineligibility rule:** providing access to fire coverage for California homeowners unable to obtain it from a traditional insurance carrier

**Effective / announcement date:** 1968

> The California FAIR Plan was established in 1968 following the riots and brush fires of the 1960s. We became the state’s insurer of last resort, providing access to fire coverage for California homeowners unable to obtain it from a traditional insurance carrier.

Source: <https://www.cfpnet.com/about-fair-plan/>

California · fire coverage — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Medical malpractice risk apportionment joint underwriting plan, Fla. Stat. § 627.351(4)

**Citation / source:** Fla. Stat. § 627.351(4)(d)4.

**Coverage category:** health care providers other than hospitals

**Coverage limit:** an amount not to exceed $250,000 per claim, $750,000 annual aggregate

> 4. Protection in an amount not to exceed $250,000 per claim, $750,000 annual aggregate for health care providers other than hospitals and in an amount not to exceed $1.5 million per claim, $5 million annual aggregate for hospitals.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · health care providers other than hospitals — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Medical malpractice risk apportionment joint underwriting plan, Fla. Stat. § 627.351(4)

**Citation / source:** Fla. Stat. § 627.351(4)(d)4.

**Coverage category:** hospitals

**Coverage limit:** an amount not to exceed $1.5 million per claim, $5 million annual aggregate for hospitals

> 4. Protection in an amount not to exceed $250,000 per claim, $750,000 annual aggregate for health care providers other than hospitals and in an amount not to exceed $1.5 million per claim, $5 million annual aggregate for hospitals.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · hospitals — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California Department of Insurance news release, Wednesday, March 29, 2023 — “Commissioner Lara and FAIR Plan reach agreement to increase commercial coverage limit to $20 million”

**Coverage category:** liability protection

**Coverage limit:** up to $3 million

> Under the agreement, the FAIR Plan will increase liability protection up to $3 million.

Source: <https://www.cfpnet.com/about-fair-plan/commissioner-lara-and-fair-plan-reach-agreement-to-increase-commercial-coverage-limit-to-20-million/>

California · liability protection — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Windstorm insurance risk apportionment plan — the association formed under Fla. Stat. § 627.351(2)

**Citation / source:** Fla. Stat. § 627.351(2)(b)3. — limited apportionment company

**Coverage category:** limited apportionment company

**Coverage limit:** which exceeds $50 million after payment of available plan funds in any calendar year

**Eligibility / ineligibility rule:** any member with a surplus as to policyholders of $25 million or less writing 25 percent or more of its total countrywide property insurance premiums in this state may petition the department, within the first 90 days of each calendar year, to qualify as a limited apportionment company

> 3. The plan shall also provide that any member with a surplus as to policyholders of $25 million or less writing 25 percent or more of its total countrywide property insurance premiums in this state may petition the department, within the first 90 days of each calendar year, to qualify as a limited apportionment company. The apportionment of such a member company in any calendar year for which it is qualified shall not exceed its gross participation, which shall not be affected by the formula for voluntary writings. In no event shall a limited apportionment company be required to participate in any apportionment of losses pursuant to sub-sub-subparagraph 2.d.(I) or sub-sub-subparagraph 2.d.(II) in the aggregate which exceeds $50 million after payment of available plan funds in any calendar year. However, a limited apportionment company shall collect from its policyholders any emergency assessment imposed under sub-sub-subparagraph 2.d.(III). The plan shall provide that, if the department determines that any regular assessment will result in an impairment of the surplus of a limited apportionment company, the department may direct that all or part of such assessment be deferred. However, there shall be no limitation or deferment of an emergency assessment to be collected from policyholders under sub-sub-subparagraph 2.d.(III).

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · limited apportionment company — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan

**Citation / source:** California FAIR Plan Association — “Dwelling” program page, cfpnet.com/policies/dwelling/

**Coverage category:** Owner-Occupied

**Eligibility / ineligibility rule:** 1-4 unit dwellings in which the owner lives in one or more unit.

> Owner-Occupied 1-4 unit dwellings in which the owner lives in one or more unit.

Source: <https://www.cfpnet.com/policies/dwelling/>

California · Owner-Occupied — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California Department of Insurance news release, March 29, 2023 — “Commissioner Lara and FAIR Plan reach agreement to increase commercial coverage limit to $20 million”

**Coverage category:** personal dwelling coverage limit

**Coverage limit:** $3 million

**Effective / announcement date:** November 2019

> November 2019 , he ordered the FAIR Plan to increase its personal dwelling coverage limit to $3 million, doubling it from where it had been for two decades.

Source: <https://www.cfpnet.com/about-fair-plan/commissioner-lara-and-fair-plan-reach-agreement-to-increase-commercial-coverage-limit-to-20-million/>

California · personal dwelling coverage limit — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Windstorm insurance risk apportionment plan — the association formed under Fla. Stat. § 627.351(2)

**Citation / source:** Fla. Stat. § 627.351(2)(c)... windstorm apportionment plan

**Coverage category:** personal lines residential risks

**Coverage limit:** up to $1 million for personal lines residential risks

**Eligibility / ineligibility rule:** The association must accept a commercial lines residential risk with limits above $10 million or a personal lines residential risk with limits above $1 million if coverage is not available in the authorized market.

> c. The association shall provide for windstorm coverage on residential properties in limits up to $10 million for commercial lines residential risks and up to $1 million for personal lines residential risks. If coverage with the association is sought for a residential risk valued in excess of these limits, coverage shall be available to the risk up to the replacement cost or actual cash value of the property, at the option of the insured, if coverage for the risk cannot be located in the authorized market. The association must accept a commercial lines residential risk with limits above $10 million or a personal lines residential risk with limits above $1 million if coverage is not available in the authorized market.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · personal lines residential risks — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(c)5.b.

**Coverage category:** personal lines residential risks that are not primary residences

**Eligibility / ineligibility rule:** the risk is not eligible for any policy issued by the corporation unless the premium for coverage from the authorized insurer or approved surplus lines insurer is more than 20 percent greater than the premium for comparable coverage from the corporation

**Effective / announcement date:** July 1, 2024

> with respect to personal lines residential risks that are not primary residences, if the risk is offered coverage from an authorized insurer at the insurer’s approved rate or from an approved surplus lines insurer at the rate approved by the office as part of such surplus lines insurer’s take-out plan for a new application to the corporation for coverage, the risk is not eligible for any policy issued by the corporation unless the premium for coverage from the authorized insurer or approved surplus lines insurer is more than 20 percent greater than the premium for comparable coverage from the corporation. Whenever an offer of coverage for a personal lines residential risk that is not a primary residence is received for a policyholder of the corporation at renewal from an authorized insurer at the insurer’s approved rate or an approved surplus lines insurer at the rate approved by the office as part of such insurer’s take-out plan, the risk is not eligible for coverage with the corporation unless the premium for coverage from the authorized insurer or approved surplus lines insurer is more than 20 percent greater than the corporation’s renewal premium for comparable coverage for policies that renew on or after July 1, 2024.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · personal lines residential risks that are not primary residences — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(c)5.a.

**Coverage category:** personal lines residential risks that are primary residences

**Eligibility / ineligibility rule:** the risk is not eligible for any policy issued by the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the premium for comparable coverage from the corporation

**Effective / announcement date:** April 1, 2023

> with respect to personal lines residential risks that are primary residences, if the risk is offered coverage from an authorized insurer at the insurer’s approved rate under a standard policy including wind coverage or, if consistent with the insurer’s underwriting rules as filed with the office, a basic policy including wind coverage, for a new application to the corporation for coverage, the risk is not eligible for any policy issued by the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the premium for comparable coverage from the corporation. Whenever an offer of coverage for a personal lines residential risk that is a primary residence is received for a policyholder of the corporation at renewal from an authorized insurer, if the offer is equal to or less than the corporation’s renewal premium for comparable coverage, the risk is not eligible for coverage with the corporation for policies that renew before April 1, 2023; for policies that renew on or after that date, the risk is not eligible for coverage with the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the corporation’s renewal premium for comparable coverage.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · personal lines residential risks that are primary residences — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan

**Citation / source:** California FAIR Plan Association — “Dwelling” program page, cfpnet.com/policies/dwelling/

**Coverage category:** Rentals

**Eligibility / ineligibility rule:** 1-4 unit dwellings that are rented to a tenant for at least one year.

> Rentals 1-4 unit dwellings that are rented to a tenant for at least one year.

Source: <https://www.cfpnet.com/policies/dwelling/>

California · Rentals — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan

**Citation / source:** California FAIR Plan Association — “Dwelling” program page, cfpnet.com/policies/dwelling/

**Coverage category:** Renters

**Eligibility / ineligibility rule:** Personal property coverage for the tenant of an apartment or single/multi- unit dwelling.

> Renters Personal property coverage for the tenant of an apartment or single/multi- unit dwelling.

Source: <https://www.cfpnet.com/policies/dwelling/>

California · Renters — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan Association

**Citation / source:** California Department of Insurance, “California FAIR Plan” consumer information page, “What do changes to the FAIR Plan mean for policyholders?”

**Coverage category:** residential policyholders

**Coverage limit:** $3 million

> Higher coverage limits: $3 million for residential policyholders and $20 million for commercial policies per location.

Source: <https://www.insurance.ca.gov/01-consumers/200-wrr/California-FAIR-Plan.cfm>

California · residential policyholders — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** California

**Program name:** California FAIR Plan

**Citation / source:** California FAIR Plan Association — “Dwelling” program page, cfpnet.com/policies/dwelling/

**Coverage category:** Seasonal Rental

**Eligibility / ineligibility rule:** Dwellings that are rented (in whole or part) for less than one year.

> Seasonal Rental Dwellings that are rented (in whole or part) for less than one year.

Source: <https://www.cfpnet.com/policies/dwelling/>

California · Seasonal Rental — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(c)12. — policyholder acknowledgment form

**Coverage category:** SURCHARGES AND ASSESSMENTS

**Coverage limit:** THE SURCHARGES AND ASSESSMENTS COULD BE AS HIGH AS 25 PERCENT OF MY PREMIUM

> AS A POLICYHOLDER OF CITIZENS PROPERTY INSURANCE CORPORATION, I UNDERSTAND THAT IF THE CORPORATION SUSTAINS A DEFICIT AS A RESULT OF HURRICANE LOSSES OR FOR ANY OTHER REASON, MY POLICY COULD BE SUBJECT TO SURCHARGES AND ASSESSMENTS, WHICH WILL BE DUE AND PAYABLE UPON RENEWAL, CANCELLATION, OR TERMINATION OF THE POLICY, AND THAT THE SURCHARGES AND ASSESSMENTS COULD BE AS HIGH AS 25 PERCENT OF MY PREMIUM, OR A DIFFERENT AMOUNT AS IMPOSED BY THE FLORIDA LEGISLATURE.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · SURCHARGES AND ASSESSMENTS — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(c)12. — policyholder acknowledgment form

**Coverage category:** THE CITIZENS POLICYHOLDER SURCHARGE

**Coverage limit:** COULD BE AS HIGH AS 15 PERCENT OF MY PREMIUM

**Eligibility / ineligibility rule:** TO BE ELIGIBLE FOR COVERAGE BY CITIZENS, I MUST FIRST TRY TO OBTAIN PRIVATE MARKET COVERAGE BEFORE APPLYING FOR OR RENEWING COVERAGE WITH CITIZENS

> 2. I UNDERSTAND THAT I CAN AVOID THE CITIZENS POLICYHOLDER SURCHARGE, WHICH COULD BE AS HIGH AS 15 PERCENT OF MY PREMIUM, BY OBTAINING COVERAGE FROM A PRIVATE MARKET INSURER AND THAT TO BE ELIGIBLE FOR COVERAGE BY CITIZENS, I MUST FIRST TRY TO OBTAIN PRIVATE MARKET COVERAGE BEFORE APPLYING FOR OR RENEWING COVERAGE WITH CITIZENS. I UNDERSTAND THAT PRIVATE MARKET INSURANCE RATES ARE REGULATED AND APPROVED BY THE STATE.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · THE CITIZENS POLICYHOLDER SURCHARGE — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits


**State:** Florida

**Program name:** Citizens Property Insurance Corporation

**Citation / source:** Fla. Stat. § 627.351(6)(a)6.

**Coverage category:** wind-only coverage for commercial lines residential condominiums

**Eligibility / ineligibility rule:** a condominium shall be deemed ineligible for coverage if 50 percent or more of the units are rented more than eight times in a calendar year for a rental agreement period of less than 30 days

**Effective / announcement date:** effective July 1, 2014

> 6. With respect to wind-only coverage for commercial lines residential condominiums, effective July 1, 2014, a condominium shall be deemed ineligible for coverage if 50 percent or more of the units are rented more than eight times in a calendar year for a rental agreement period of less than 30 days.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.351>

Florida · wind-only coverage for commercial lines residential condominiums — State insurer-of-last-resort programs — FAIR Plan / Citizens eligibility and coverage limits