Illinois FAIR Plan Association

Latest Announcements

Homeowners Rate Change

The Illinois Department of Insurance has granted the Illinois FAIR Plan a rate change for Homeowners policies. The overall statewide average rate increase is 9.4% and will be effective for new and renewal policies on 04/01/24. Please note that homeowners quotes issued by the FAIR Plan under the current rates must be paid by 03/28/24 or the rate increase will be applied to the policy without exception.

Illinois FAIR Plan Address Change

The Illinois FAIR Plan (IFPA) is no longer located at 180 N. Stetson, Suite 2800 in Chicago. Please refrain from sending mail or overnight deliveries to 180 N. Stetson as the forwarding process will cause significant delivery delays.

Please use the following mailing addresses for the IFPA:

  • FedEx/Overnight Premium Payments
    IL FAIR Plan - Wintrust Client 7137
    5450 N. Cumberland Ave, Suite 100
    Chicago, IL 60656
  • Premium Payments via USPS
    Illinois FAIR Plan Association
    PO Box 7137
    Carol Stream, IL 60197-7137
  • IFPA General Correspondence
    Illinois FAIR Plan Association
    PO Box 849
    Tinley Park, IL 60477
  • IFPA Agents - Return Commission Checks
    Illinois FAIR Plan
    P.O. Box 437249
    Louisville, KY 40253

Illinois FAIR Plan – Credit and Debit Card Fees

The IFPA no longer charges a fee for credit and debit card fees and encourages all policyholders and applicants to make premium payments electronically via the IFPA website.

Dwelling Fire Rate Change

The Illinois Department of Insurance has granted the Illinois FAIR Plan a rate change for Dwelling Fire policies. The overall statewide average rate increase is 9.6% and will be effective for new and renewal policies on 04/01/23.

Homeowners Rate Change

Effective on 4/1/22, The overall statewide rate increase is 8.3%.

New FAIR Plan Address for Overnight/Express Premium Payments

Effective 05/08/2023 please use the following address for overnight/express premium payments:

IL FAIR Plan Client
Wintrust Client 7137
5450 N Cumberland Ave., Suite 100
Chicago, IL 60656

The address for mailing premium payments has not changed:

Illinois FAIR Plan Association
PO Box 7137
Carol Stream, IL 60197-7137

If you have any questions, please contact FAIR Plan Customer Service at information@illinoisfairplan.com or (312) 861-0385.

The mission of the Illinois FAIR Plan Association is to make basic property insurance available to qualified applicants who have not been able to obtain property insurance. It is understood that applicants, as well as policyholders, will seek insurance in the standard insurance market place before applying to the FAIR Plan.

The FAIR Plan will strive to provide service and basic coverage comparable with the service and basic coverage available in the standard insurance market place.

The FAIR Plan will also endeavor to educate the public on the availability of the FAIR Plan, to encourage the revitalization of urban neighborhoods, to make basic property insurance available in areas where discrimination or other factors make such insurance difficult to obtain, and to participate in appropriate programs to reduce the incidence of loss, particularly programs affecting insurance fraud and arson.

Illinois FAIR Plan Association