The Rhode Island Joint Reinsurance Association

The Rhode Island Joint Reinsurance Association (RIJRA) also known as the Rhode Island FAIR Plan (Fair Access to Insurance Requirements) was founded by the Rhode Island Legislature in response to the Federal Urban Property Protection and Reinsurance Act of 1968. Our purpose is to provide basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market.

RIJRA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Rhode Island Division of Insurance. Applicants must meet our reasonable underwriting standards, however coverage is provided without consideration of environmental conditions associated with the property's location.