Need High Risk Homeowners Insurance?One Experienced High Risk Professional
Approved. Affordable. Fast.
We want to help you get approvals for High Risk Homeowners Insurance, approved and at a better rate. A specialist can mean a world of difference. Concerned about getting a new policy? We can help!
Home Insurance With A Human Touch
Having A Hard Time Getting High-Risk Homeowners Insurance Coverage At An Acceptable Rate, Or At All?
On occasion, homeowners may find themselves classified as High Risk for a variety of reasons, typically for reasons out of their control.
This classification can unfairly result in higher premiums or the inability to find coverage if consumers do not find an agent with the right resources to find them a quality policy, both in coverage and price.
The most frequent reasons for the classification
are a lapse in coverage, claims history, geographical
area such as coastal, wildfire or very rural locations or roof condition. Insurance companies can and will refuse to insure or non-renew homeowners insurance policies, leaving consumers scrambling for solutions.
The computers may be programmed to say no, but a human underwriter wants to find a way. Technology has moved so
quickly that the risks requiring human involvement have been left behind.
High risk homeowners insurance is not something most homeowners ever expect to
need. There are many reasons homes may be classified as a high risk.
Claims History
Coastal or Wildfire Areas
Non-renewals and Lapses
Roof Issues
Trouble Getting Coverage or Paying Higher Rates? A
Want Real High Risk Home Insurance Solution?
Trouble Getting Coverage or Paying Higher Rates? A
Want Real High Risk Home Insurance Solution?
Want the truth? If someone is labeled high-risk for auto insurance, there's a good chance it's their fault (we know, exceptions for sure), but if someone is high-risk for home insurance, well, you live on Earth. You cannot control the weather, most kinds of damage aren't something we see before it's too late. We don't have control over a lot of things. Consumers all of the sudden find that they are now in a wildfire zone. The young couple buys a new house to find out they have class action lawsuit on their faulty plumbing. The loyal folks that haven't made a claim in 30 years. The people that called to ask a question and got dinged for an inquiry, on and on. This is why we are here..
Many insurance companies will decline to cover a home that has had two claims in the past five years, even if those claims were weather-related or resulted in no payout. In some cases, even a single claim, such as one involving water damage
or fire, can make a property high-risk
in the eyes of insurers. Older homes may also be harder to insure; some companies will not write policies for homes built before 1925, and others may set the cutoff at 1945. The computer said "no."
Policy lapses
are another growing concern. While most people understand that letting auto insurance lapse can lead to higher rates or fewer options, this same logic is now being applied to homeowners insurance. A brief gap in coverage can make it much harder to secure a new policy, even if the home is otherwise well-maintained. Often, the first time someone finds out is that their mortgage company called them, not their agent.
Living in coastal or areas prone to wildfires is a well-known challenge, but many homeowners are surprised when they’re turned away despite never having had a claim or a late payment. An agent working directly with an underwriter (the computer is not the boss) is the solution for approvals and affordable rates. We’ll connect you with one agent only who understands your situation and can get you a real quote, fast and and (drama) free. You probably could use the break, and we look forward to helping!
Services
High Risk Homeowners Insurance
Every homeowner should have insurance to protect their home. Buying High Risk Homeowners Insurance far less expensive than the repair and loss of the home and contents.
Get High Risk Quotes Today
High Value Insurance
Knowing what you need and having the proper policy can mean a world of difference should you ever need to file a claim for your home. Educate yourself on what it means to insure a high-value home.
Get High Value Quotes Today
Coastal Insurance
Educating yourself on the requirements of your mortgage company and shopping around for the best rates will work in your favor. Enjoy the process but remember to do your research.
Get Coastal Quotes Today
Fair Plan Alternatives
All FAIR Plans consumers are urged to try to find coverage in the private market. We can help you find an agent that can help you find alternatives to the FAIR Plan.
Get FAIR Plan Alternatives Today
Knowing why you could be dropped is important but knowing what to do when it happens is vital.
If you are dropped or denied coverage, it can be confusing and stressful. Many consumers are classified as high risk due to factors outside their control, such as weather-related claims, property location, or the age and condition of the home. In some as a last resort, a state-provided option called a FAIR Plan can be one source of relief.
GET A FREE QUOTE
The FAIR Plan, or Fair Access to Insurance Requirements, in states where its available, is often more expensive and has more restrictive coverage than a policy in the private market but can be a stepping stone on the way out of high risk. In most situations though, finding an agent with the right resources and experience will help consumers find a private market alternative with a higher level of coverage at an affordable price.
Testimonials
Aaron F.
"I would highly recommend this company to anyone! No only did they not give my information to tons of agencies, I got great service, quickly from one agent. He made me feel better about my insurance problems and got the job done."
NICOLE S.