High Risk Homeowners Insurance

Most consumers assume that if they are unable to obtain coverage that their only choice is a substandard policy like the typical force-placed or FAIR plan policy. If the consumer finds the right agent they will learn that high risk is not synonymous with substandard coverage. Agents with the right resources can usually find a policy in the private market for full replacement cost , typically an HO-3 which is the most widely sold policy by the major insurance companies.