How It Works
Our simple process connects you with licensed agents who specialize in high-risk properties — and lets you book a meeting directly.
Tell Us About Your Property
Complete our quick form with details about your property, location, insurance history, and specific challenges you're facing.
What We Ask:
- • Property location and details
- • Current insurance status
- • Claims history
- • Reason for needing coverage
We Match You with Specialists
Our system matches you with licensed agents in your state who specialize in your specific type of high-risk situation and have the right carrier relationships.
Our Matching Criteria:
- • State licensing verification
- • High-risk specialization
- • Carrier relationships
- • Track record with similar cases
Book an Appointment (Optional)
After submitting your information, you can optionally schedule a one-on-one call with a specialist at a time that works for you.
Your Choice:
- • Schedule at your convenience
- • One-on-one consultation
- • No obligation
Receive Quotes and Coverage
Agents reach out to review your coverage options, explain how each one works, and help you decide which approach makes the most sense based on your home, your history, and your specific needs.
What to Expect:
- • Contact within 24 hours
- • Multiple coverage options
- • Competitive quotes
Why Our Process Works
Built specifically for high-risk insurance challenges
Specialized Focus
Our agents focus exclusively on high-risk properties and understand the unique challenges.
Vetted Network
All agents are licensed, experienced, and have proven track records with difficult placements.
Fast Response
Most homeowners are connected within 24 hours because we understand urgency.
No Cost to You
Our referral service is completely free - you pay nothing to get connected.
What Makes Us Different?
High-Risk Expertise Only
Unlike general insurance agents, our network focuses exclusively on challenging properties and complex situations.
Carrier Relationships
Our agents work with carriers that other agents don't have access to, including surplus lines and specialty programs.
Proven Track Record
Over 20 years of experience helping homeowners find coverage when others said it wasn't possible.
No Obligation Service
Get connected with specialists with no obligation to purchase. You're in control of your insurance decisions.
Ready to Get Started?
Don't let a high-risk property leave you without protection. Our process is designed to find solutions when others can't.
Common Situations We Handle
Real scenarios where our process makes the difference
After Nonrenewal
"My insurance company dropped me after two claims. I thought I'd have to go with the expensive FAIR Plan, but the agent found private coverage for less."
Coastal Property
"Living near the coast, I was told only Citizens would cover me. The specialist found three private options with better coverage and lower deductibles."
Older Home
"My 1950s home was 'uninsurable' according to three agents. The specialist understood older homes and found coverage with a carrier I'd never heard of."
Multiple Claims
"Three water claims made me 'uninsurable' according to most agents. The specialist understood my situation and found coverage with reasonable terms."
Typical Timeline
What to expect and when
Form Submission
Complete our intake form with your property and insurance details.
Agent Matching
We review your case and match you with the most suitable specialists in your area.
Agent Contact
Licensed specialists contact you to discuss your situation and coverage options.
Quotes & Options
Receive detailed quotes and coverage options tailored to your specific needs.
Frequently Asked Questions
Common questions about our process
What if I don't like the agent you connect me with?
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.
How do you choose which agents to work with?
We carefully vet all agents in our network for licensing, experience with high-risk properties, carrier relationships, and customer service standards. Only specialists who meet our criteria are included.
What if no one can help me?
While we can't guarantee coverage for every situation, our specialists have access to markets that most agents don't. Even in extreme cases, we can help you understand all available options including state programs.
Ready to Start the Process?
Don't let a high-risk property leave you without protection. Our proven process has helped thousands of homeowners find coverage.