Dropped Homeowners Insurance? Here’s What to Do Next

Updated May 5, 2025
Dropped Homeowners Insurance? Here’s What to Do Next image

So, your homeowners insurance got dropped—and now you’re stuck wondering what happens next. Whether you just opened the letter or got a call from your lender, it’s frustrating, confusing, and honestly, a little scary.

But here’s the good news: this isn’t the end of the line.

At Home Insurance Alternatives, we’re not an insurance company. We’re a free service that helps people find real solutions after they’ve been hit with Dropped Homeowners Insurance. We connect homeowners with providers who still offer coverage for properties that don’t fit the usual checklist.

Why You Were Dropped (And Why It’s Not Always Your Fault)

Getting dropped can happen for a bunch of reasons:

  • You filed a few claims in a short time—even if they weren’t huge.
  • Your roof, pipes, or foundation might need work.
  • You live in a wildfire, hurricane, or flood-prone area.
  • You missed a payment. It happens to the best of us.
  • Or your insurance company just decided to leave your state completely.

Whatever the reason, you still need coverage—and that’s where we come in.

What to Do If Your Homeowners Insurance Was Dropped

If you’ve been dropped, the clock is ticking. A gap in coverage can lead to force-placed insurance from your lender, which is expensive and usually limited in coverage.

Here’s how to stay ahead of it:

  1. Ask for the reason in writing. This helps when applying elsewhere.
  2. Make basic repairs if you can. Fixing small issues might open more insurance options.
  3. Start shopping for alternatives. Some providers specialize in homes with a few red flags.
  4. Look into FAIR Plans. These are state-run programs for people who can’t get coverage in the private market.
  5. Reach out to us. We’ll help you explore your options quickly and at no cost.

How We Help Homeowners with Hard-to-Insure Properties

At Home Insurance Alternatives, we know how frustrating it can be to lose coverage just because your home doesn’t fit an insurance company’s narrow standards. Whether it’s due to your location, the age of your property, or past claims, we’re here to help.

We’re not an insurance company—we help homeowners with licensed providers who specialize in non-standard or high-risk homes. These insurers understand that every home is unique, and they offer options that traditional companies often overlook.

Here’s what we help with:

  • Connecting you to insurance providers that accept a wider range of risk factors
  • Matching you with policy options based on your specific situation
  • Giving you expert tips on how to improve your chances of getting approved

We believe everyone deserves access to solid, dependable homeowners insurance—even if their property isn’t “perfect” on paper.

If you’ve had Dropped Homeowners Insurance, you shouldn’t have to start from scratch. We can help you turn things around and find a policy that actually works for your home and your life.

How to Avoid Getting Dropped Again

Landing a new homeowners insurance policy after being dropped can feel like a big relief—and it is. But keeping that policy in good standing is just as important. Here’s how to make sure you stay covered and avoid going through the same stress again:

1. Stay on Top of Maintenance

Regular upkeep tells your insurer you’re a responsible homeowner. Focus on roof condition, tree trimming, plumbing, and electrical systems.

2. Avoid Filing Too Many Small Claims

Handling minor repairs out-of-pocket instead of through your insurance helps you avoid looking like a high-risk customer—one of the top reasons for Dropped Homeowners Insurance.

3. Always Pay Your Premiums On Time

Missed or late payments can easily lead to cancellation. Use auto-pay, stay organized, and don’t let coverage lapse.

4. Make Your Home Safer

Add smoke detectors, carbon monoxide alarms, and a security system. A safe home is a lower-risk home—and less likely to face Dropped Homeowners Insurance.

5. Communicate with Your Insurer

If you’re planning upgrades or worried about coverage limits, reach out early. Clear communication can prevent issues down the line.

You Still Have Options—Even After Being Dropped

Having Dropped Homeowners Insurance can feel overwhelming, but you’re not stuck. There are providers out there who understand high-risk homes, and we know how to connect you with them.

Dropped Homeowners Insurance FAQs

Is it hard to get home insurance after being dropped?

It can be more challenging, but it’s not impossible. Being dropped usually means you’ve been flagged as higher risk, but there are insurers who specialize in covering homes with past issues. Working with a service like Home Insurance Alternatives can help you find the right fit and avoid another coverage gap.

How many people are dealing with dropped homeowners insurance?

More homeowners are facing non-renewals due to rising costs, natural disasters, and insurers exiting high-risk markets. While exact numbers vary by state, reports show a growing trend of homeowners either being dropped or choosing to go uninsured due to skyrocketing premiums.

What if my homeowners insurance is dropped because of my roof?

If your policy was dropped due to an old or damaged roof, the best step is to get a professional inspection and consider repairs or replacement. Many insurers will reconsider if you show proof of updates. Until then, specialized insurers or state-backed FAIR Plans may offer coverage.

How many claims until homeowners insurance drops you?

There’s no fixed number, but filing two or more claims in a short time (especially for water damage or liability) can raise red flags. Frequent small claims can also add up. Insurers look at patterns, not just the dollar amount, when deciding whether to renew your policy.

Share