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What are the downfalls of having a gap in home insurance coverage?

I don't like my current home insurance company, so I'm thinking about letting the policy lapse. What are the downfalls of having a gap in your home insurance coverage?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Several bad things can happen if you have a gap in home insurance coverage, including:
  • Force-placed insurance because you don’t have the insurance coverage stipulated in the loan agreement
  • A chance for denial of a claim or a total loss if something happens to your home.
Even if you don’t like your insurance company, you shouldn’t let your
insurance lapse
. Not only is it irresponsible, but you’ll likely pay more for insurance once you start a new policy.
Instead of letting it lapse, start shopping for home insurance rates online, just as you would shop for
car insurance quotes online
.
You could also use
Jerry
. Jerry can collect quotes from up to 50 top insurance companies in seconds. It’s one of the best ways to find great rates as quickly as possible.”
MORE:
How to Find Car and Home Insurance Quotes Online
Home InsuranceHomeowners Insurance
View full answer 
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