The Fair Plan offers what kind of coverage for individuals and businesses in high hazard areas?

The Fair Plan is specifically designed to provide property insurance coverage to individuals and businesses in high-hazard areas where traditional insurance options may be limited or unavailable. This program targets those considered too high-risk for standard property insurance due to factors like geographic location or environmental risks.

The correct answer, which is property insurance, aligns with the primary purpose of the Fair Plan. It helps ensure that these individuals and businesses can still access essential coverage, safeguarding their properties against risks such as fire, wind damage, and other perils typical in high-risk areas.

The other options, such as crime insurance, liability coverage, and life insurance, serve very different purposes. Crime insurance protects against losses resulting from criminal acts, liability coverage provides protection from claims arising due to injuries or damages for which the insured might be responsible, and life insurance offers a benefit upon the death of the insured. None of these options address the specific goal of the Fair Plan, which is focused on providing property insurance solutions to maintain coverage for those in challenging circumstances.