{"id":12110,"date":"2025-02-18T15:55:20","date_gmt":"2025-02-18T20:55:20","guid":{"rendered":"https:\/\/www.rushworth.us\/lisa\/?p=12110"},"modified":"2026-03-31T16:04:52","modified_gmt":"2026-03-31T21:04:52","slug":"century-home-insurance-fair-plan","status":"publish","type":"post","link":"https:\/\/www.rushworth.us\/lisa\/?p=12110","title":{"rendered":"Century Home Insurance &#8211; FAIR Plan"},"content":{"rendered":"\n<p>We took possession of the old farmhouse (finally!) and encountered a whole other problem &#8212; houses can be un-insurable. Luckily, the government seems to have thought of that. In Ohio, there are insurance providers who offer <strong>FAIR Plans<\/strong> (<strong>F<\/strong>air <strong>A<\/strong>ccess to <strong>I<\/strong>nsurance <strong>R<\/strong>equirements)\u00a0&#8212; basically the insurance world\u2019s \u201cfine, we\u2019ll cover part of it\u201d option for homes that most underwriters won&#8217;t touch. FAIR Plans aren\u2019t exactly a regular private insurance product, but they\u2019re not just the government writing you a policy either. They\u2019re state-created backup options designed to make sure hard-to-insure homes can still get coverage.<\/p>\n\n\n\n<p>We&#8217;ve got knob and tube wiring, a roof that may be older than me, and too much what the real estate listing would call &#8220;personality&#8221;. The FAIR Plan provides limited coverage while stuff gets fixed<\/p>\n\n\n\n<p>FAIR Plans are not magic. They\u2019re often:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>more limited than a standard homeowners policy<\/li>\n\n\n\n<li>more expensive<\/li>\n\n\n\n<li>focused on basic risks<\/li>\n\n\n\n<li>missing some protections unless you add separate coverage<\/li>\n<\/ul>\n\n\n\n<p>The insurance plan we are looking at won&#8217;t cover the roof &#8211; it needs to be replaced. We know that, the former owner knows that, anyone who drives by the house knows that. And collateral damage from the k&amp;t isn&#8217;t covered. <em>But<\/em>! If the next storm blows a tree into the front wall? We&#8217;re covered. We&#8217;ve got liability coverage in case one of our friends gets hurt while checking out the new place. <\/p>\n\n\n\n<p>Basically they&#8217;re better than nothing. And, once you get all the stuff fixed that a traditional underwriter wants to be in wonderful shape, you buy different insurance. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>We took possession of the old farmhouse (finally!) and encountered a whole other problem &#8212; houses can be un-insurable. Luckily, the government seems to have thought of that. In Ohio, there are insurance providers who offer FAIR Plans (Fair Access to Insurance Requirements)\u00a0&#8212; basically the insurance world\u2019s \u201cfine, we\u2019ll cover part of it\u201d option for &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[440],"class_list":["post-12110","post","type-post","status-publish","format-standard","hentry","category-miscellaneous","tag-insurance"],"_links":{"self":[{"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=\/wp\/v2\/posts\/12110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12110"}],"version-history":[{"count":1,"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=\/wp\/v2\/posts\/12110\/revisions"}],"predecessor-version":[{"id":12111,"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=\/wp\/v2\/posts\/12110\/revisions\/12111"}],"wp:attachment":[{"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rushworth.us\/lisa\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}