What is C-MAP in Connecticut, and does my shoreline house qualify?

The FAIR Plan's eligibility sheet says all of these must be met before an application is submitted:

• A one-to-four family owner-occupied home, or a one-family owner-occupied seasonal home with no rentals.
• Within 2,600 feet of the Connecticut coast, which means salt-water ocean, sound, bay or inlet, measured from the median high-tide mark.
• If the home is in a federal flood map A or V zone, evidence of flood insurance for the actual cash value of the building and contents.
• A central heating system, and circuit-breaker electrical service of at least 100 amps (single-family) or 200 amps (multi-family).
• One of three situations: the home was non-renewed, cancelled or conditionally renewed for a reason other than non-payment (with a copy of the notice), it is a new purchase or about to be acquired, or it is already insured with the FAIR Plan.

The applicant on the policy cannot be an LLC, corporation or company. Because rentals are excluded, a short-term-rental cottage does not fit this program.

C-MAP does not issue a standard homeowners policy. It uses one of two structures:

1. A voluntary-market HO-4 coastal "wrap-around" policy together with a DP-2 coastal dwelling-fire "wrap-around" policy from the FAIR Plan. Both must be in force at all times.
2. If no C-MAP HO-4 wrap-around is available, a DP-2 "stand-alone" policy from the FAIR Plan.

A DP-2 is a dwelling-fire form, so compare what it covers with a homeowners policy before you accept it.

You cannot apply directly. The FAIR Plan states that applicants must go to a producer or agent for all insurance transactions, and the application requires the producer of record's signature. The application warns that it is not a binder, and the Administrator reviews it for eligibility before quoting or declining.