Frequently Asked Questions

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.

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.

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

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.

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. Acting quickly is essential—if coverage lapses, your lender may force-place insurance at 2-3x normal cost with limited protection.

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.

We serve 46 states nationwide. We currently don't provide referrals in California, Hawaii, Rhode Island, and New York, but we serve all other states.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.