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Ask the Home Insurance Expert

I have been cancelled on my homeowners insurance since I was robbed this summer and filed a claim. Now I am high risk. Is this fair?

"Fair" is in the eye of the beholder. To home insurance companies, it's perfectly reasonable and, yes, fair to charge you more if you appear to be a higher risk for further claims.

Shop around to see if anyone else in the private market will insure you. Do you have other factors working against you, such as additional previous claims?

If worse comes to worse you'll end up buying insurance from your state's FAIR plan, but make an effort to find a carrier that will sell you a policy in the private market first.

Last updated: Oct. 15, 2012