Texas Fair Plan Association: Customer Ratings & Reviews [2023]

Secure Your Property with Texas Fair Plan Association Insurance

UPDATED: Apr 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 28, 2023Fact Checked

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 28, 2023Fact Checked
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Texas Fair Plan Association

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Affordable and accessible insurance coverage
  • Offers a variety of insurance products and services
  • Not-for-profit organization
  • Provides discounts to customers
  • Positive customer reviews

Cons

  • Only provides insurance coverage in the state of Texas
  • Some customers have expressed concerns about the claim process and the time it takes to receive compensation.

The Bottom Line

The Texas Fair Plan Association offers affordable and accessible insurance coverage to Texans. As a not-for-profit organization, they offer a variety of insurance products and services, including home, commercial, and automobile insurance. The company provides discounts to customers, and its customer reviews are generally positive. However, it only provides coverage in Texas, and some customers have expressed concerns about the claim process and the time it takes to receive compensation. Overall, the company has a low complaint level and an A- (Excellent) rating from A.M. Best.

Are you a homeowner or business owner in Texas looking for insurance coverage? Texas Fair Plan Association (TFPA) is an excellent option for you. As a not-for-profit organization, they aim to provide affordable and accessible insurance coverage. TFPA has been serving Texans since 1992 and is committed to serving communities in need.

Is Texas Fair Plan Association a Good Choice?

Company Contact Information:

Financial Ratings: A.M. Best Rating: A- (Excellent)

Customer Service Ratings:  Customer reviews are generally positive for Texas Fair Plan Association.

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Texas Fair Plan Association Discounts Available

Texas Fair Plan Association offers several discounts to its customers, including:

  • Multi-policy discount
  • Windstorm mitigation discount
  • Home security discount
  • Age of home discount

To qualify for the windstorm mitigation discount, you’ll need to have your home inspected and certified by a Texas-licensed engineer or architect. To qualify for the home security discount, you’ll need to have a security system installed that is monitored by a central station.

Texas Fair Plan Association Coverage Options

Texas Fair Plan Association offers property insurance coverage for homes, apartments, and commercial properties. Their policies cover damage from fire, lightning, windstorm, hail, explosion, riot, and civil commotion. Flood insurance and liability coverage are not included in their standard policies, but they can be added as endorsements.

The cost of coverage from Texas Fair Plan Association varies depending on the location, age, and condition of the property. Rates are set by the Texas Department of Insurance and are generally higher than those in the private market.

Texas Fair Plan Association vs. Competitors

As a residual market insurance provider, Texas Fair Plan Association’s main competitors are other insurers who also provide coverage to high-risk customers. Some of the company’s main competitors include:

  • Allstate
  • State Farm
  • GEICO
  • Nationwide
  • Progressive

These companies offer a range of coverage options for both standard and high-risk customers, often with the added convenience of online policy management and claims filing. However, as a residual market insurer, Texas Fair Plan Association provides a valuable service by ensuring that high-risk customers have access to coverage options when other insurers may be unwilling or unable to provide coverage.

Frequently Asked Questions

Is Texas Fair Plan Association a government agency?

No, Texas Fair Plan Association is a non-profit organization that operates under the oversight of the Texas Department of Insurance.

Can I purchase flood insurance from Texas Fair Plan Association?

No, flood insurance is not included in their standard policies, but it can be added as an endorsement.

How do I file a claim with Texas Fair Plan Association?

You can file a claim by contacting your agent or by calling their toll-free claims hotline at 1-800-979-6440.

Does Texas Fair Plan Association offer liability coverage?

Liability coverage is not included in their standard policies, but it can be added as an endorsement.

How do I qualify for the windstorm mitigation discount?

To qualify for the windstorm mitigation discount, you’ll need to have your home inspected and certified by a Texas-licensed engineer or architect.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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