The Texas Fair Plan Association (TFPA) is a residual market insurer that provides residential property insurance throughout the state of Texas. Established by the Texas Legislature in 1995, TFPA offers coverage to eligible Texas policyholders who have been denied by other insurance carriers. TFPA does not sell policies directly to consumers, but works with Texas-licensed insurance agents to provide essential property insurance when no one else will.
TFPA's policies cover various property types, including residential dwellings and townhouse units, and applicants must have two declinations from other insurers to qualify for coverage. The association adheres to underwriting guidelines regarding ownership, condition, occupancy, and more. With a commitment to serving Texas homeowners, TFPA ensures that eligible properties receive the necessary insurance protection, even when traditional insurance companies are unable to provide coverage.
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