Want the truth?......  
If someone is labeled high-risk for auto insurance, there's a good chance it's their fault (we know there are 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 until it's too late.  We don't have control over many 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 are dropped when they actually use their insurance. The people who called to ask a question kept getting 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 that they're uninsured is when their mortgage company calls them, not their prior 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. State FAIR Plans are not usually the answer. 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 (drama) free. You probably could use the break, and we look forward to helping!