Coverages

Missouri Fair Plan provides basic insurance coverage for dwellings, commercial property, and farm property. We also have available limited crime policies, which provide minimal robbery and burglary coverage. YOU SHOULD CAREFULLY READ ALL POLICY FORMS TO DETERMINE ACTUAL COVERAGE.

Dwelling

To qualify as a dwelling, a property can contain one to four families. We provide a DP 00 01 named peril policy which includes, fire, lightning, explosion, windstorm, hail, riot or civil commotion, aircraft, vehicles, smoke, volcanic eruption, vandalism and malicious mischief. Theft coverage may be added to the dwelling policy as a separate content item. The limits for theft coverage are a minimum of $1,000 and a maximum of $25,000. Contents along with extended coverage and vandalism and malicious mischief must be included to be eligible for theft coverage. The maximum we offer is $200,000 on buildings, contents and theft combined. This coverage is available for both owner and tenant occupied risks.

(For detailed information about coverage, see the section “ABOUT THE PLAN”)

Sample Policy Forms (13.5MB)

Sample Optional Endorsement Forms (3MB)

Sinkhole Loss

To qualify as a dwelling, a property can contain one to four families. We provide MFP-SL-2 standalone sinkhole actual cash value policy. The maximum we offer is $200,000 on building and contents combined. This coverage is available to the owner of both owner and tenant occupied properties. As stated in the law only property or personal property owned by the applicant / owner of the property may be covered. WE DO NOT OFFER A CONTENT ONLY SINKHOLE LOSS POLICY.

Sinkhole Policy Form (7MB)

Commercial

To qualify as commercial, a property can contain five or more families or used for business purposes. We provide a Standard Property Policy CP 0099 named peril policy which includes fire, lightning, explosion, windstorm, hail, riot or civil commotion, aircraft, vehicles, smoke, volcanic eruption, vandalism and malicious mischief. The maximum we offer is $1,000,000 on all buildings and contents combined at one location.
(For detailed information about coverage, see the section “ABOUT THE PLAN”)

Sample Policy Forms (6.5MB)

Sample Optional Endorsement Forms (1MB)

Farm

To qualify as a farm, a property must have farm operations that generate a profit. A house with acreage is not a farm. We provide a FP 0012 and FP 0014 that cover the dwelling, the contents of the dwelling and the outbuildings. THERE IS NO COVERAGE FOR FARM EQUIPMENT, CROPS, LIVESTOCK OR LIABILITY.
The named peril policy provides fire, lightning, windstorm, hail, and explosion. riot or civil commotion, aircraft, vehicles, smoke, vandalism and limited theft. The maximum we offer is $1,000,000 on all buildings and contents combined at one location.
(For detailed information about coverage, see the section “ABOUT THE PLAN”)

Sample Policy Forms (8.5MB)