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Ask the Home Insurance Expert

Hello, my insurance company has issued a nonrenewal because of two homeowner claims placed. I am having a hard time finding a policy for my home. Can you give me advice on who to contact for a policy?

I’d do two things. First, I’d contact an independent insurance agent. Independent agents sell policies from multiple companies. They should be able to shop you around to find someone to take you.

Second, if that doesn’t pan out, you might investigate your state’s FAIR plan. These are high-risk pools for home insurance. If private carriers reject you, you might find yourself in the high-risk pool. Here are FAIR plan phone numbers. Good luck with your search.

Last updated: Apr. 3, 2013