The north carolina insurance underwriting association applies to what?

The North Carolina Insurance Underwriting Association (NCIUA) is a special State of North Carolina funded insurance program created to provide coverage to people who are unable to obtain insurance through the voluntary market. For example, NCIUA provides coverage for those who have been denied property insurance due to their location, credit history, or other similar factors. Unlike the voluntary market, the NCIUA sets rates that are lower than the voluntary market, which enables people to obtain coverage who wouldn't be able to otherwise.