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How do you get home insurance after being dropped?
I had a lot of bad luck last year—I had to file two home insurance claims for fire and theft. As a result, my home insurance company let me know they were non-renewing my policy. Since I’ve been dropped, I’m nervous about finding another company. How can I get home insurance after being dropped?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Getting dropped from your insurance company is never fun, so I understand the stress. Thankfully, it is possible to find another home insurance company, even after you’ve been dropped.
To start, you’ll want to explore your options and do your research. Each insurance company rates policies differently, meaning although you’ve been dropped, it’s possible for you to find coverage again.
If you’re looking for a new
home insurance
company, Jerry
can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls.You can also research and gather quotes yourself by looking for companies that insure higher risks. Since you’ve filed two claims in a short period, insurers consider you a higher risk as someone who is more likely to submit another claim. Because of this, you may need to work with companies known for insuring high risks.
You may also need to adjust your coverage levels. Requesting a higher coverage limit may also reduce your chances of finding a new company.
Finally, claims stay on your record for five to seven years. While it may be difficult to find insurance for the next year or so if you remain claim-free, you’ll see your rate lower and have more options for insurance providers.
View full answer
- Gregory R.
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