Can I get another home insurance policy if a previous one has been canceled?

Answered by Home Insurance, Car Insurance Expert Alexah on December 28, 2020

My old home insurance policy was canceled a few months ago and I need new coverage. Can I qualify for a new policy?

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Home Insurance, Car Insurance Expert

If your previous homeowners insurance policy was canceled due to underwriting reasons, it may be difficult to find a new company that will take you. Most insurance companies have very similar underwriting guidelines that will inevitably cancel you for similar reasons. Additionally, during the application process, most insurance companies will ask you if you’ve been canceled within the past year due to underwriting reasons, and they may decline you for this reason.

If your previous homeowners policy was canceled due to non-payment rather than underwriting concerns, you should not have trouble finding new coverage.

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