High-Risk Home Insurance Hub: Select Your State
We offer coverage for high-risk homeowners insurance in more than 40 states. This is your one stop solution to all things "high-risk" homeowners.
Fast Approvals From Specialists: High-Risk Homeowner’s Insurance
For wildfire, hurricane, coastal, and claim-history homes. Get personalized help, private insurance alternatives, and real humans who fight to keep you covered.
CHOOSE YOUR STATE
High-Risk Home Insurance Made Easy- Choose Your State
DEFINITION
What Is “High-Risk” Home Insurance?
High-risk home insurance, or non-standard insurance, is a policy for homeowners that most insurance companies consider to be riskier than the average policy.
Sometimes these policies have customized coverages due to the increased risks of costly claims or claim history.
Who Is Considered “High Risk”?
Homeowners rarely realize they’re classified as high risk until they’re denied coverage, dropped, or quoted a premium that feels outrageous. Insurers use a mix of location, property condition, and personal history to score risk, and any one of the following can push someone into the high-risk category:
- Disaster-Prone Location: Homes in wildfire corridors, coastal hurricane zones, tornado alley, or flood-exposed areas are often flagged, even without a past claim.
- Older Homes: Aging roofs, outdated wiring, or older plumbing systems can all trigger denial.
- Past Claims History: Multiple claims, especially fire, water, or liability, can cause insurers to walk away.
- Lapses in Coverage: Going uninsured, even briefly, can disqualify you with standard carriers.
- Credit or Insurance Score Issues: In most states, your credit profile directly affects eligibility and pricing.
- Rural or Hard-to-Service Areas: Homes far from fire stations, hydrants, or emergency access roads get flagged quickly.
BETTER COVERAGE
Where Do I Start?
Many customers are facing non-renewal, cancellation of their existing insurance, or even losing their homes. Others are searching for a state safety net. Whatever the case, we’ve helped many homeowners with their insurance needs, and we may be able to help you, too.
It’s totally free to request a quote and it only takes a few minutes. We will assign your quote to just one experienced specialist, so you aren’t bombarded with calls from agents unfamiliar with high-risk homeowners’ insurance. There are no obligations, only an opportunity for better coverage and increased savings.
WHAT TO EXPECT
Our 5-Step Process
Getting coverage when you’re considered high risk doesn’t have to be confusing. Here’s exactly how our process works from quote to policy.
- Request A Quote: Our process starts with you filling out the quote form as thoroughly and accurately as possible.
- Fill Out “Step 2 Lead Form”: We recommend you fill out the Step 2 lead form which gives us more information and results in a faster quote back to you with a higher approval rate.
- Agent Review: An experienced agent reviews your property details, risk factors, and state eligibility, then matches you with the right carriers.
- Customize Coverage: Your agent walks you through coverage differences such as liability, dwelling limits, replacement cost, deductibles, and endorsements, then customizes your policy so it fits your coverage needs and budget.
- Provide Proof of Insurance: Once you’re ready to move forward, your agent will finalize the application and send proof of insurance.
Request A Quote Today
Start your free quote now and find out how much you could save on high-risk homeowners insurance without compromising coverage.