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.