Property and Home Insurance: How does one get coverage from an “insurer of last resort?”

Since the plans are state operated, the procedures vary for accessing “insurer of last resort” coverage. In some states one has to contact an insurance agent and ask them to arrange coverage. Some states allow the applicant to decline the use of an agent and deal directly with the plan by telephone or online. Check with your state plan to see how to proceed.The insurers of last resort for the 16 coastal states are:Florida: Citizens Property Insurance Corp.http://www.citizensfla.com/contact.aspTexas: Texas Windstorm Insurance Associationhttp://www.twia.org/Massachusetts: Massachusetts Property Insurance Underwriting Associationhttp://www.mpiua.com/North Carolina: North Carolina Joint Underwriters AssociationNorth Carolina Insurance Underwriting Associationhttp://www.ncdoi.com/Consumer/consumer_homeowners.aspSouth Carolina: South Carolina Wind and Hail Underwriting Associationhttp://www.scwind.com/New Jersey: Citizens Property Insurance Corp. 866-411-2742 ( 866-411-CPIC )http://www.state.nj.us/hurricane/insquestions.htmlNew York: New York Property Insurance Underwriting Associationhttp://www.nypiua.com/Virginia: Virginia FAIR Planhttp://www.vpia.com/producers/newsletters/August2005.pdfGeorgia: Georgia Underwriting Associationhttp://www.georgiaunderwriting.com/Louisiana: Louisiana Citizens Property Insurance Corporationhttp://www.lacitizens.com/Maryland: Maryland Joint Insurance Associationhttp://www.mdjia.org/Delaware: Insurance Placement Facility of Delawarehttp://www.defairplan.com/Alabama: Alabama Insurance Underwriting Associationhttp://www.alabamabeachpool.org/ Insurance Placement Facility of DelawareConnecticut: Connecticut FAIR Planhttp://www.ctfairplan.com/Rhode Island: Rhode Island Joint Reinsurancehttp://www.rijra.com/Mississippi: Mississippi Windstorm Underwriting Associationhttp://www.msplans.com/mwua/Mississippi Residential Property Insurance Underwriting Associationhttp://www.msplans.com/MRPIUA/about_us.shtml