# Texas FAIR Plan: When It's an Option and What It Covers

> Declined or nonrenewed in Texas? Learn who qualifies for the Texas FAIR Plan, what it covers, the 2026 deductible rules and how our team reviews options free.

Source: https://krystelhuertainsurance.com/blog/home/texas-fair-plan

🛟 Texas FAIR Plan · 2026# The Texas FAIR Plan: *when it's an option* and what it covers

Start with your ZIP

Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM Central**5\.0★** 178 Google reviews (as of October 2026\)By the Krystel Huerta Insurance team · Reviewed by [** Krystel Huerta**](https://krystelhuertainsurance.com/meet-the-team), Licensed Texas Insurance Agent · TX Lic. \#1922044⏱ 14 min read📅 Updated October 2026📍 TexasA nonrenewal letter or a second “we can't offer coverage” can make it feel like you're out of options. Here's what the Texas FAIR Plan is, who qualifies, what it covers, how its 2026 deductibles work, and what to do first.

Quick answerThe **Texas FAIR Plan Association (TFPA)** is the state's insurer of last resort for homes. You generally qualify only if ** at least two insurance companies have declined** your home and you have no valid offer of comparable coverage. It covers a named list of perils, usually pays actual cash value, and is narrower than a standard homeowners policy.

Key takeaways* The Legislature created TFPA for Texans who can't get coverage elsewhere, and it “does not compete with the private market.”
* An HO\-A FAIR Plan policy covers named perils like fire, wind and hail, with liability and theft included; replacement cost is an add\-on.
* For FAIR Plan homeowners policies, the 1% wind/hail option ended July 1, 2026: options are now 2% to 5%, and existing 1% policies move to 2% at renewal.
* Policies run one year at a time, and you must reapply in the regular market every two years.

**Do this:** Before you treat the FAIR Plan as your only path, ask us for a free coverage review. We'll look at why you were declined and whether standard coverage options are available for your home first.

Free coverage reviewGet your free Texas quoteTakes 30 seconds. No spam, and your information is never sold.Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM CentralYou opened the letter and there it was: your homeowners policy won't renew. Maybe it mentioned your roof, a couple of claims or the condition of the house. Maybe you've already heard “no” a second time. Now you have a deadline, a mortgage that requires coverage, and a name you keep seeing come up: the Texas FAIR Plan.

We talk with Texas homeowners in this exact spot, and the first thing we tell them is that the FAIR Plan is a backstop, not a first stop. It's built differently from a standard policy, so here's how it works and what to ask before you sign anything.

## What is the Texas FAIR Plan, and why does it exist?

**The short answer:** The Texas FAIR Plan Association is a residual\-market insurer the Texas Legislature created to provide basic property coverage for eligible Texans “when no one else will.” It's a safety net, not a competitor to regular homeowners insurance.

In its own words, the [Texas FAIR Plan Association](https://www.texasfairplan.org/) was created by the Legislature to provide property insurance for eligible Texans when no one else will, and it “does not compete with the private market.” It's there for homes the regular market has turned away.

According to the [Texas Department of Insurance FAIR Plan overview](https://www.tdi.texas.gov/pubs/pc/fair-overview.pdf) (June 2026\), TFPA's policy types include a **Homeowner** policy (HO\-A), a ** Dwelling** policy for rentals (TDP\-1\), a ** Condominium** policy (HO\-CONB) and a ** Tenant** policy (HO\-BT).

118,486Texas FAIR Plan policies in force in the second quarter of 2026, with Harris County the largest single county at 58,464 policies[Texas FAIR Plan Association Q2 2026 Fact Book](https://www.texasfairplan.org/wp-content/uploads/Q2-2026-TFPA-Fact-Book.pdf)Being declined isn't a personal failure. But the gaps in a FAIR Plan policy are real, so know what you're buying.

One note: our team serves Texas statewide outside the 14 coastal counties and four Galveston Bay cities, which are outside our service area, so this guide is written for inland homeowners.

Reviewed by Krystel Huerta

Licensed Texas Insurance Agent · TX Lic. \#1922044

Krystel founded the agency to help Texas families actually understand their coverage. She reviews every guide on this blog for accuracy before it's published. [Meet the team](https://krystelhuertainsurance.com/meet-the-team)

## Who qualifies for the Texas FAIR Plan?

**The short answer:** You generally qualify if at least two insurance companies have declined to cover your home and you don't have a valid offer of comparable residential coverage. Surplus\-lines offers don't count as comparable.

Per TDI's overview, you must have been declined residential property insurance by **at least two insurance companies** and have no valid offer of comparable residential coverage. Surplus\-lines offers don't count as comparable.

The property has to fit too: owner\-occupied one\- and two\-family homes, townhouses and condos, plus one\- and two\-family rentals and tenants' belongings.

Common situations after a declination, and how close they put you to the FAIR Plan
| Your situation | FAIR Plan likelihood | What it usually means |
| --- | --- | --- |
| One nonrenewal letter, no other answer yet | Not yet | You haven't met the two\-declination rule. Find out why first. |
| Declined twice for roof or home condition | Possible | You may qualify, but repairs could reopen standard coverage options. |
| Declined twice, condition issues already fixed | Possible | Worth a fresh review with proof of the repairs. |
| Declined twice, only a surplus\-lines offer | Likely eligible | Surplus\-lines offers don't count, so the FAIR Plan stays on the table. |
| Declined twice, no offer of any kind | Likely eligible | What the FAIR Plan was built for. Learn its limits first. |

💡 Keep every declination in writingSince January 1, 2026, Texas law (HB 2067, per [TDI Bulletin B\-0012\-25](https://www.tdi.texas.gov/bulletins/2025/B-0012-25.html)) requires insurers to give a written explanation when they decline, cancel or nonrenew a policy. Save them: they document the declinations and say what the insurer objected to.## What does a Texas FAIR Plan policy cover?

**The short answer:** A FAIR Plan homeowners policy (HO\-A) covers a named list of perils, including fire, lightning, wind and hail, with liability and theft included on homeowner, condo and tenant policies. Claims are paid at actual cash value unless you add replacement cost to an HO\-A policy.

The FAIR Plan uses **named\-peril** coverage: if a cause of loss isn't on the list, it isn't covered. TDI's [guide to Texas homeowners policies](https://www.tdi.texas.gov/reports/documents/texas-homeowners-policies-04122018.pdf) describes HO\-A as a named\-perils form; here's what the [TFPA summary of coverages](https://www.texasfairplan.org/about-us/summary-description-of-tfpa-coverages/) lists.

🔥Fire and lightningThe core of every FAIR Plan policy.🌪️Wind and hailOn the named list of covered perils, with a separate percentage deductible (see below).💨Smoke and explosionBoth are on the named list.🪟Vandalism and riotIncluding malicious mischief and civil commotion.✈️Aircraft and vehiclesWhen one strikes your property.🔐Theft and liabilityOn HO\-A, condo and tenant policies, not the TDP\-1 rental policy.

Texas FAIR Plan coverage limits (TDI overview, June 2026\)
| Coverage | Limit | Note |
| --- | --- | --- |
| Dwelling | Up to **$1,000,000** | The most TFPA will insure on the home itself |
| Other structures | **10%** of dwelling | Detached garage, fence, shed |
| Personal property (HO\-A) | **50%, 60% or 70%** of dwelling | 60% or 70% is an optional increase for extra premium |
| Condo or tenant contents | Up to **$500,000** | HO\-CONB and HO\-BT policies |
| Personal liability | **$100,000 or $300,000** | Not on TDP\-1 |
| Medical payments | **$5,000** per person / **$25,000** per occurrence | Minor injuries to guests |
| Loss of use | **10%** of dwelling | Extra living costs while the home is repaired |

### Actual cash value is the default

FAIR Plan claims are settled at **actual cash value**, which subtracts depreciation for age and wear. On an HO\-A policy you can add replacement cost for the dwelling and contents for an extra premium; it isn't available on the TDP\-1 rental policy. TDI's [replacement cost vs. ACV guide](https://www.tdi.texas.gov/tips/home-insurance-policies-replacement-cost-or-actual-cash-value.html) shows why it matters: on a $10,000 roof with a $4,000 deductible, replacement cost pays $6,000 at any age, while ACV pays $3,000 on a ten\-year\-old roof and nothing on a 20\-year\-old one (TDI's general example, not FAIR Plan figures).

⚠️ Replacement cost comes with an insurance\-to\-value ruleTo get replacement cost on a FAIR Plan HO\-A policy, TDI says you must insure the home to **100% of its replacement cost value**. If your coverage is under **80%** of that value at the time of a loss, TFPA may pay only part of the claim.Free coverage reviewGet your free Texas quoteTakes 30 seconds. No spam, and your information is never sold.Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM Central## How is FAIR Plan coverage narrower than a standard Texas homeowners policy?

**The short answer:** A FAIR Plan policy covers only the perils it names, so common losses like freezing, water discharge, mold, falling objects, collapse and glass breakage are excluded. That's a real difference from the broader coverage many Texas homeowners are used to.

In our experience reviewing Texas home policies, this is the part people miss: they assume a FAIR Plan homeowners form works like the policy they just lost. It doesn't. TDI describes the coverage as narrower than a standard policy, and exclusions include:

* **Freezing** and the weight of ice and snow.
* **Water discharge**, like a leaking water heater or plumbing line.
* **Mold.**
* **Falling objects** and ** collapse.**
* **Glass** breakage.

Flood isn't on the list either, and TDI's [home insurance tips](https://tdi.texas.gov/tips/home-insurance.html) note “home insurance policies don't cover flood damage.” Flood is a separate policy, and [FEMA](https://www.fema.gov/print/txt/node/315192) notes a National Flood Insurance Program policy typically takes 30 days to become active.

🚨 Read the policy, not the labelBefore you buy, ask the agent submitting your application to walk through what isn't covered, especially water and freeze damage, which are common Texas losses.If you want a refresher on how standard Texas homeowners forms are built, our [Texas homeowners insurance guide](https://krystelhuertainsurance.com/blog/home/texas-homeowners-insurance-guide) explains the standard policy forms.

## What deductibles does the Texas FAIR Plan use starting July 1, 2026?

**The short answer:** For FAIR Plan homeowners policies effective July 1, 2026, the wind/hail deductible starts at 2% of dwelling coverage (options of 2%, 3%, 4% or 5%), and the all\-other\-perils deductible ranges from 1% to 5%.

[TFPA announced in April 2026](https://www.texasfairplan.org/news-and-announcements/tfpa-deductible-changes-effective-july-1-2026/) that the 1% wind/hail deductible option is gone for homeowners policies starting July 1, 2026\. Here's how the new rules work:

* **Wind/hail:** 2%, 3%, 4% or 5% of your dwelling coverage.
* **All other perils:** options from 1% to 5%.
* **Split deductibles are allowed**, so your wind/hail and all\-other\-perils percentages can differ.
* **Existing 1% wind/hail policies move to 2% at renewal.**
* **No mid\-term changes:** you can't change your deductible during the policy term.

Illustrative scenarioIllustrative: a hail claim on a $250,000 FAIR Plan dwellingSay your FAIR Plan HO\-A policy insures the home for $250,000 and a spring hailstorm leaves a $12,000 repair estimate. Here's how the wind/hail deductible alone shapes what the policy could pay, before depreciation. Round numbers for illustration only; this is not a quote or a claim estimate.

| Dwelling coverage | $250,000 |
| --- | --- |
| 2% wind/hail deductible | $5,000 |
| Most the policy pays toward a $12,000 repair at 2% | $7,000 |
| 5% wind/hail deductible | $12,500 |
| Most the policy pays toward a $12,000 repair at 5% | $0 |

On an ACV policy, depreciation is subtracted too, so the actual payment can be lower than the amounts shown. TDI's own roof example uses the same deductible math on a $200,000 home: 2% is $4,000\.

The bigger your dwelling limit, the bigger your share of every wind or hail claim. Our [guide to hail and your Texas home](https://krystelhuertainsurance.com/blog/hail/hail-and-your-texas-home) covers roof claims in more detail.

Not sure what a 2% or 5% deductible means in dollars for your home? [Start a free review](#mf2-zip) or call (512\) 691\-6400 and we'll work through the math with you.

## How do you apply for the Texas FAIR Plan, and how long can you stay?

**The short answer:** You apply through a licensed Texas property and casualty agent who is authorized by TFPA to submit applications. Policies are written for one year, and you must reapply in the regular market every two years.

TDI's overview is clear: FAIR Plan “coverage must be obtained through an authorized licensed Texas agent.” That means an agent licensed for property and casualty insurance in Texas and authorized by the FAIR Plan to submit applications. You can't buy directly. TDI also lists the FAIR Plan number, 800\-979\-6440, for homeowners who can't find coverage.

Two timing rules apply:

* **One\-year terms**, renewed annually.
* **Back to the regular market every two years.** TDI says policyholders must reapply in the voluntary market every two years. It's a bridge, not a permanent home.

💡 Use the two years to fix what caused the declinationTurned down over a roof, wiring or plumbing? Repair it during the FAIR Plan years and keep receipts, photos and inspection reports for when you reapply.⚠️ Don't let your current policy lapseTDI advises against canceling a current policy until you have the new policy or written proof of coverage ([TDI home insurance tips](https://tdi.texas.gov/tips/home-insurance.html)). A gap can also cause trouble with your mortgage company.## What should you do after a nonrenewal before turning to the FAIR Plan?

**The short answer:** Get the written reason, use your 60\-day notice window, fix any condition issues the insurer named, and ask a licensed agent to review what standard coverage options are available for your home. The FAIR Plan is a backstop for when those steps come up empty.

A nonrenewal isn't immediate. According to TDI's [canceled or nonrenewed home insurance page](https://www.tdi.texas.gov/tips/home-insurance-canceled-or-not-renewed.html) (updated January 2026\), insurers must give you **60 days' notice** for policies bought or renewed in 2024 or later (30 days for 2023 or earlier). Grounds include three or more non\-weather claims in three years, 60\+ days vacant, or poor condition, but an insurer can't nonrenew you for a claim your policy didn't cover.

1. Read the written reasonUnder HB 2067 the insurer must explain it in writing: roof, claims, vacancy or something else.
2. Mark your deadlineCount the 60 days (30 for older policies) so you can act without a gap.
3. Fix condition issues you canIf the letter names a worn roof, wiring or plumbing, get repair estimates.
4. Document everythingKeep invoices, photos and inspection reports.
5. Ask about your coverage optionsCall (512\) 691\-6400 or start a free review. We'll look at whether standard coverage options are available for your home, subject to underwriting.
6. Treat the FAIR Plan as the backstopDeclined twice with no comparable offer? A licensed agent authorized by TFPA can submit your application.

A note on roof and home age. In September 2026, [TDI proposed](https://www.tdi.texas.gov/news/2026/tdi09292026.html) clarifying its rules so insurers can't decline or nonrenew a policy based on the age of a house or its roof, while still allowing them to consider the current condition of the home and parts like roofing, wiring, heating, air conditioning, plumbing and siding. As of October 2026, that's a **proposal** with no effective date announced, so don't count on it changing a decision yet.

In our experience, homeowners who bring the written reason and photos of the house get clearer answers, faster. We can't promise an outcome, but we'll tell you honestly where things stand. See our [home insurance page](https://krystelhuertainsurance.com/home-insurance-cedar-park-tx).

## The Bottom Line

**The short answer:** The ** Texas FAIR Plan Association (TFPA)** is the state's insurer of last resort for homes. You generally qualify only if ** at least two insurance companies have declined** your home and you have no valid offer of comparable coverage. It covers a named list of perils, usually pays actual cash value, and is narrower than a standard homeowners policy.

The Texas FAIR Plan does an important job: it keeps eligible Texans from going without basic property coverage when the regular market says no. But it's a backstop. It covers named perils, pays actual cash value unless you add replacement cost, starts wind/hail deductibles at 2%, and expects you to reapply in the regular market every two years.

If you just got a nonrenewal or a declination, start with the written reason and your deadline. Then let our licensed Texas team review your situation for free, in English or Spanish, by phone, text or email. We'll look at whether standard coverage options are available for your home first, and explain what a FAIR Plan policy would cover if it comes to that.

Free coverage reviewGet your free Texas quoteTakes 30 seconds. No spam, and your information is never sold.Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM Central## Frequently asked questions

Can I get replacement cost coverage on a Texas FAIR Plan policy?Yes, on a FAIR Plan Homeowner (HO\-A) policy you can add replacement cost coverage for the dwelling and contents for an extra premium, according to the Texas Department of Insurance's FAIR Plan overview (June 2026\). Without it, claims are paid at actual cash value, which subtracts depreciation. To qualify for replacement cost, you must insure the home to 100% of its replacement cost value, and if your coverage is below 80% of that value at the time of a loss, TFPA may pay only part of the claim. Replacement cost isn't available on the TDP\-1 dwelling policy for rental homes.Does the Texas FAIR Plan cover a burst pipe or water damage?Generally not. The FAIR Plan uses named\-peril coverage, and its listed exclusions include freezing, water discharge and mold, so damage from a frozen pipe or a leaking appliance is a common gap. That's a meaningful difference from many standard Texas homeowners policies, where TDI notes sudden and accidental water damage from burst pipes may be covered. If water or freeze risk worries you, ask the agent submitting your FAIR Plan application to walk through the exact policy wording before you buy, and keep heat on and pipes protected in cold snaps.Does the Texas FAIR Plan cover flooding?No. Flood isn't among the perils the Texas FAIR Plan lists, and the Texas Department of Insurance notes that home insurance policies in general don't cover flood damage. Flood protection comes from a separate flood policy, such as one through the National Flood Insurance Program. FEMA says an NFIP policy typically takes 30 days to become active, so don't wait for a storm in the forecast to ask about it. If your mortgage company says your home is in a flood zone, it will likely require flood insurance regardless of what your home policy covers.Can I insure a rental house through the Texas FAIR Plan?Often, yes. TFPA covers one\- and two\-family rental dwellings through its Dwelling policy, called TDP\-1, and offers a separate Tenant policy (HO\-BT) for renters' belongings. The rental policy is more limited than the homeowner form, though. According to TDI's FAIR Plan overview, liability and theft coverage are included on the homeowner, condo and tenant policies but not on TDP\-1, and replacement cost isn't available on TDP\-1, so losses are paid at actual cash value. The same eligibility rules apply: at least two declinations and no valid offer of comparable coverage.How long can I stay on the Texas FAIR Plan?FAIR Plan policies are written for one year at a time, and the Texas Department of Insurance says policyholders must reapply in the voluntary market every two years. The plan is meant to be a bridge while you resolve whatever caused the declinations, such as an aging roof or a run of claims. Use that time to make repairs and keep documentation, because proof of the fix is what helps most when you reapply. Before you reapply, we can review standard coverage options with you so you're not scrambling near the deadline.## Related questions

### Is the Texas FAIR Plan run by the state?

The Texas FAIR Plan Association was created by the Texas Legislature to provide property insurance for eligible Texans when no one else will. TFPA says it doesn't compete with the private market. It's a residual\-market insurer, which is why eligibility depends on having been declined by at least two insurance companies.### What is the Texas FAIR Plan phone number?

The Texas Department of Insurance's home insurance tips list 800\-979\-6440 for the FAIR Plan, for homeowners who can't find coverage. Keep in mind you can't buy a policy directly; an authorized licensed Texas agent has to submit the application. TDI's own Help Line, 800\-252\-3439, can answer general home insurance questions.### Does the Texas FAIR Plan cover condos?

Yes. TFPA offers a Condominium policy, called HO\-CONB, for owner\-occupied condo units. Contents coverage on condo and tenant policies can go up to $500,000, and liability and theft coverage are included, according to TDI's FAIR Plan overview. Like every FAIR Plan form, it covers named perils only, so read the exclusions carefully.### Can I change my Texas FAIR Plan deductible during the year?

No. TFPA's July 2026 deductible changes say deductibles can't be changed mid\-term, so the percentages you pick at the start of the policy stay in place until renewal. Choose a wind/hail deductible you could actually pay after a storm, because on a $250,000 dwelling, 2% is $5,000 and 5% is $12,500\.### Can my Texas insurer nonrenew me because my roof is old?

As of October 2026, TDI has proposed clarifying its rules so insurers can't decline or nonrenew based on the age of a house or roof alone, but no effective date has been announced. Insurers can still consider the current condition of your roof and other components, so a worn roof can still matter.## Sources

1. [Texas FAIR Plan Association — home page](https://www.texasfairplan.org/) (accessed October 2026\)
2. [Texas Department of Insurance — Texas FAIR Plan Association overview (PDF)](https://www.tdi.texas.gov/pubs/pc/fair-overview.pdf) (June 8, 2026 (data as of March 31, 2026\))
3. [Texas FAIR Plan Association — Summary description of coverages](https://www.texasfairplan.org/about-us/summary-description-of-tfpa-coverages/) (accessed October 2026\)
4. [Texas FAIR Plan Association — Deductible changes effective July 1, 2026](https://www.texasfairplan.org/news-and-announcements/tfpa-deductible-changes-effective-july-1-2026/) (April 27, 2026\)
5. [Texas FAIR Plan Association — Q2 2026 Fact Book (PDF)](https://www.texasfairplan.org/wp-content/uploads/Q2-2026-TFPA-Fact-Book.pdf) (Q2 2026\)
6. [TDI — Home insurance canceled or not renewed](https://www.tdi.texas.gov/tips/home-insurance-canceled-or-not-renewed.html) (updated January 15, 2026\)
7. [TDI news release — roof and home age rule clarification](https://www.tdi.texas.gov/news/2026/tdi09292026.html) (September 29, 2026\)
8. [TDI Commissioner's Bulletin B\-0012\-25 — 89th Legislature bills (HB 2067\)](https://www.tdi.texas.gov/bulletins/2025/B-0012-25.html)
9. [TDI — Home insurance tips](https://tdi.texas.gov/tips/home-insurance.html) (updated December 19, 2025\)
10. [TDI — Replacement cost or actual cash value](https://www.tdi.texas.gov/tips/home-insurance-policies-replacement-cost-or-actual-cash-value.html) (updated January 24, 2024\)
11. [TDI — Texas homeowners policies (PDF)](https://www.tdi.texas.gov/reports/documents/texas-homeowners-policies-04122018.pdf)
12. [FEMA — National Flood Insurance Program waiting period](https://www.fema.gov/print/txt/node/315192)
13. [TDI — Winter safety (burst pipes and home insurance)](https://tdi.texas.gov/tips/winter-safety.html)
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**Krystel Huerta Allstate Insurance Agency** · Virtual agency (no walk-in office), Austin, TX — serving all of Texas · (512) 691-6400 · Mon–Fri 9:00 AM–5:00 PM Central
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