The Rhode Island Joint Reinsurance Association (RIJRA) is a state-founded organization that provides basic property insurance for eligible applicants who have been unable to obtain coverage through the voluntary market. Established in response to the Federal Urban Property Protection and Reinsurance Act of 1968, RIJRA offers policies under the Homeowners, Dwelling Fire, and Commercial Property programs, adhering to reasonable underwriting standards while disregarding environmental conditions associated with the property's location.
As an insurer of last resort, RIJRA aims to ensure fair access to insurance requirements for Rhode Island residents. With an insured portal available, policyholders can conveniently access payment information, make payments, view inspection reports, and access policy documents. In the event of a claim, RIJRA provides a streamlined process for reporting and offers loss prevention resources to help policyholders navigate the aftermath of a loss.
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