Question 1

What makes a property "high-risk" for insurance?

Accepted Answer

Properties are considered high-risk due to factors like location (coastal areas, wildfire zones, flood plains), age (typically over 40 years), previous claims history, property condition, or unique features that increase liability. Each insurance company has different criteria for what they consider high-risk.

Question 2

Is your referral service really free?

Accepted Answer

Yes, our service is completely free to homeowners. We are compensated by the insurance agents when they successfully help you find coverage. There are no fees, charges, or hidden costs to you.

Question 3

How quickly will I hear from an agent?

Accepted Answer

Most homeowners are contacted by specialists within 24 hours of submitting their information. In urgent situations, same-day connections are often possible.

Question 4

What is a FAIR Plan?

Accepted Answer

FAIR Plans are state-sponsored insurance programs that provide basic property insurance when coverage is not available in the private market. They typically offer limited coverage at higher premiums and are considered a last resort option.

Question 5

What should I do if I've been nonrenewed?

Accepted Answer

Don't panic - nonrenewal is more common than you think. Start shopping for new coverage immediately, gather all relevant documentation, and work with agents who specialize in high-risk properties. They have access to carriers that specifically accept nonrenewed properties.

Question 6

Can you help if I've been turned down by multiple companies?

Accepted Answer

Absolutely. Our specialists work with carriers that general agents don't have access to, including surplus lines markets and specialty programs designed specifically for challenging properties.

Question 7

What states do you serve?

Accepted Answer

We serve 40+ states nationwide. We currently don't provide referrals in California, Hawaii, Rhode Island, Iowa, North Dakota, and New York, but we serve all other states.

Question 8

Do I have to work with the agent you refer me to?

Accepted Answer

No, you're under no obligation to work with any agent we refer. If the first connection isn't a good fit, we can connect you with other specialists in your area.

Question 9

What's the difference between admitted and surplus lines insurance?

Accepted Answer

Admitted carriers are licensed by the state and follow state-approved rates and forms. Surplus lines carriers are non-admitted and offer more flexibility for unique or high-risk properties, but aren't covered by state guaranty funds.

Question 10

How do claims affect my ability to get coverage?

Accepted Answer

Claims history significantly impacts coverage availability and pricing. Multiple claims, especially in recent years, can lead to nonrenewal or higher premiums. However, specialists know which carriers are more flexible with claims history.

Question 11

What can I do to improve my property's insurability?

Accepted Answer

Common improvements include roof replacement, electrical updates, plumbing improvements, security system installation, and risk mitigation measures like defensible space for wildfire areas or storm shutters for coastal properties.

Question 12

Is flood insurance included in homeowners insurance?

Accepted Answer

No, flood insurance is separate from homeowners insurance and must be purchased separately through the National Flood Insurance Program (NFIP) or private flood insurance carriers.

Question 13

What if my home is in a wildfire zone?

Accepted Answer

Properties in Wildland-Urban Interface (WUI) zones require specialized coverage. Our specialists work with carriers that understand wildfire risks and can help with defensible space requirements and fire-resistant improvements.

Question 14

How much does high-risk insurance cost?

Accepted Answer

Costs vary significantly based on location, property characteristics, and risk factors. While high-risk insurance typically costs more than standard coverage, specialists can often find competitive options and help you avoid overpaying.

Question 15

What information do I need to provide?

Accepted Answer

We'll need basic property information (location, age, type), insurance history, claims history, and details about your current situation. The more information you provide, the better we can match you with the right specialist.

Question 16

Can you help with mobile or manufactured homes?

Accepted Answer

Yes, our network includes specialists who work specifically with mobile homes, manufactured housing, and other specialty property types that require unique coverage approaches.

Question 17

What if I need coverage immediately?

Accepted Answer

We understand the urgency of insurance needs. Our specialists can often provide same-day quotes and expedited binding for urgent situations, especially when coverage is expiring soon.

Question 18

Do you work with first-time homebuyers?

Accepted Answer

Yes, we help first-time buyers who are purchasing high-risk properties or properties that standard agents have difficulty insuring. Our specialists can guide you through the process.

Frequently Asked Questions