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. The maximum we offer is $200,000 on buildings and contents 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 (2.5MB)
Sample Optional Endorsement Forms (0.5MB)

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 (7MB)
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 (8.3MB)

Crime
To qualify for crime coverage, the property must be protected by locks as indicated in the warranty device form. We offer both residential and commercial coverage. The maximum we offer for residential is $10,000, which includes both robbery and burglary. The maximum we offer for commercial is $15,000, which has the options of robbery, burglary or both. These are separate policies from the dwelling commercial and farm policies. (For detailed information about coverage, see the section "ABOUT THE PLAN")
Sample Commercial Crime Policy Forms (1.9MB)
Sample Residential Crime Policy Forms (1.1MB)