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Ask the Home Insurance Expert


I can't find homeowners insurance. I've checked with many insurers but no one will sell me a policy. What can I do?


Many states have an "insurer of last resort," usually called a FAIR Plan. FAIR Plans were created to give those who couldn't get insurance from the private market a chance to purchase homeowners insurance. Your agent will be able to help you determine if you are eligible for coverage by your state's FAIR Plan or if there are other options you can explore. You can also read Which states have a FAIR Plan? for more information.

Last updated: Dec. 7, 2009