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High Risk

Featured image for “Cast Iron Pipes: Friend or Foe to Your Home Insurance?”
Updated May 2, 2025

Cast Iron Pipes: Friend or Foe to Your Home Insurance?

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

Dropped Homeowners Insurance? Here’s What to Do Next

Featured image for “Avoid Common Home Insurance Claim Mistakes: Expert Tips for Homeowners”
Updated May 15, 2024

Avoid Common Home Insurance Claim Mistakes: Expert Tips for Homeowners

Featured image for “Adapting to the High-Risk Home Insurance Landscape- Home Insurance Is Becoming a Higher Risk to Insurance Companies”
Updated November 9, 2024

Adapting to the High-Risk Home Insurance Landscape- Home Insurance Is Becoming a Higher Risk to Insurance Companies

Updated November 9, 2024

No Homeowners Insurance? What do I do now?

Featured image for “Umbrella Policies – A Different Way To Protect Your Home”
Updated May 30, 2024

Umbrella Policies – A Different Way To Protect Your Home

Featured image for “Food Spoilage Coverage- Helpful Coverage or Dangerous Decision?”
Updated February 20, 2024

Food Spoilage Coverage- Helpful Coverage or Dangerous Decision?

Featured image for “First Time Home Buyer?  Here’s What You Need to Know”
Updated February 20, 2024

First Time Home Buyer? Here’s What You Need to Know

Featured image for “What is Reinsurance and How Does it Work?”
Updated February 20, 2024

What is Reinsurance and How Does it Work?

Featured image for “Didn’t Expect Artic Temperatures in Your Area?  Here’s What You Can Do to Protect Your Home.”
Updated February 20, 2024

Didn’t Expect Artic Temperatures in Your Area? Here’s What You Can Do to Protect Your Home.

Featured image for “Animal Liability and the High Risk for Consumers”
Updated February 20, 2024

Animal Liability and the High Risk for Consumers

Featured image for “Water Leak Detection Sensors- What Are They and Are They Worth It?”
Updated February 20, 2024

Water Leak Detection Sensors- What Are They and Are They Worth It?

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Alternatives To Fair Plan Insurance
Homeowner Insurance Claim Options
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High Risk Home Areas
High Risk Homeowner Scenarios
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May 9, 2025

As with all FAIR Plans, consumers are urged to try to find coverage in the private market and we can help you find an agent that can help find alternatives to the FAIR Plan. This website is no way affiliated with or sponsored or endorsed by any federal, state or local governmental agency or state fair plan. The contents of this website are provided for informational purposes only and do not constitute legal or coverage advice or an offer or solicitation for the sale or purchase of insurance. Insurance coverage not available in all states. Home Insurance Alternatives is not an insurance company, agency or MGA. We connect homeowners with licensed insurance professionals specializing in high-risk areas.

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Homeowner Insurance Claim Options


Home Insurance Claim Mistakes
Trends In Homeowners Insurance Claims
Being Denied Homeowners Insurance Is Frustrating
Home Insurance Is Becoming Higher Risk to Insurance Companies
Home Insurance Rates

Specialty High Risk Home Insurance Options


Alabama Coastal Homeowners Insurance?
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High Value Homeowners Insurance?
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High Risk Home Insurance Areas


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High Risk Home Insurance Scenarios


Dropped Homeowners Insurance?
Substandard Home Insurance
No Homeowners Insurance?
Lender Placed Insurance
Has Your Homeowners Insurance Been Cancelled?

Natural Disaster Insurance Options


Wind And Hail Insurance
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