The Wisconsin FAIR Plan

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The Wisconsin Insurance Plan Association


The policies offered by the Wisconsin Insurance Plan include:

$200,000 Building Limit

  • A one to four family residence either owner or non-owner occupied. (Occupied means the residence has people eating and sleeping in at least 50% of the living units daily).

  • Vacant or unoccupied residences undergoing active rehabilitation.

  • Seasonal dwellings or secondary homes.

  • Dwelling Under Construction or Builder's Risk (provide copy of construction contract indicating final cost with application and advise if the completed home will or will not be occupied by the owner/applicant).

  • The Dwelling must have a market value of around $200,000 or less (Dwelling only - not including lot or other structures)y

  • Renter's personal property.

  • Condominium unit-owners including personal property.

  • Mobile Homes on a permanent foundation.

$200,000 Building Limit

  • A one or two family residence (not three or four or more families).

  • The principal residence of the applicant/owner (applicant/owner eats and sleeps in this home daily*).

  • The Dwelling must have a market value of around $200,000 or less (Dwelling only - not including lot or other structures).

  • Can be a mobile home at a permanent location that meets the above requirements.

$500,000 Limit

  • Commercial Buildings - Occupied (commercial venture operating in building on a daily basis).

  • Commercial Buildings - Vacant or unoccupied undergoing active rehabilitation

  • Commercial Buildings - Under Construction (Builder's Risk). Provide a copy of the section of the construction contract indicating final cost with application.

  • Business Personal Property - For tenants operating a business in a commercial building.

  • The combined value of the Building and Business Personal Property to be insured must have an Actual Cash Value of around $500,00 or less.





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