High Risk House Insurance Quotes | Available Nationwide

Getting help is easy! Simply enter your basic information and one of our licensed insurance agents will be glad to assist you. Or call now (469) 546-0021.

Get help with high risk house insurance, individual or portfolio of properties. High Risk Home Insurance available in Alabama-AL, Alaska-AK, Arizona-AZ, Arkansas-AR, California-CA, Colorado-CO, Connecticut-CT, Delaware-DE, Florida-FL, Georgia-GA, Hawaii-HI, Idaho-ID, Illinois-IL, Indiana-IN, Iowa-IA, Kansas-KS, Kentucky-KY, Louisiana-LA, Maine-ME, Maryland-MD, Massachusetts-MA, Michigan-MI, Minnesota-MN, Mississippi-MS, Missouri-MO, Montana-MT, Nebraska-NE, Nevada-NV, New Hampshire-NH, New Jersey-NJ, New Mexico-NM, New York-NY, North Carolina-NC, North Dakota-ND, Ohio-OH, Oklahoma-OK, Oregon-OR, Pennsylvania-PA, Rhode Island-RI, South Carolina-SC, South Dakota-SD, Tennessee-TN, Texas-TX, Utah-UT, Vermont-VT, Virginia-VA, Washington-WA, West Virginia-WV, Wisconsin-WI, Wyoming-WY.
Too many homeowners claims will make you a high risk.

To get free help and High Risk Home Insurance Quotes, please enter as much information below as possible (469) 546-0021.


High Risk House Insurance Quotes from our licensed insurance agents that will assist you with finding coverage for your house, condo, townhouse or mobile home. Don’t wait until the last minute to find a policy. Get started early and put the problems behind you.

Our personal lines customer and commercial or business customer service personnel (CSR’S) and licensed insurance agents are non standard, assigned risk and high risk programs specialists with defined and managed authorities. We have helped tens of thousands find coverage where other insurance company, brokers or agents may not have a market for a risk that is just too hard to insure.

What Coverage Limits Should I Set on My Policy?

The “dwelling” limit should be the amount it would cost to replace your home (Not what you could sale the place for). This may have nothing to do with the purchase price or the current market value of your home, as homeowners insurance does not generally cover the land value of your insured property. Your insurance policy is not governed by the real estate market, but by the cost of the materials and labor involved in rebuilding your home. Insurance companies have formulas that they use to evaluate the replacement cost of your home. Since the formulas developed are unique for each company, different insurers may suggest or require different limits of coverage for your dwelling limit.The following information can assist you to determine if the limit set by your company accurately reflects the price it would cost to rebuild your home in the event of a total loss.

COMPARISONS OF COVERAGE HOMEOWNERS PROGRAM

HO – 1 HO -2 HO – 3 HO – 4 HO – 5 HO – 6 HO – 8
1. Fire, lightning, windstorm,

hail, riot, civil commotion, aircraft, explosion

Yes Yes Yes Yes Yes Yes Yes
2. Bursting of steam or hot

water appliances and heating systems

No Yes Yes Yes Yes Yes No
3. Damage by vehicles:

Building

Yes, ex-

cept by occupant of premises

Yes Yes N/A Yes Yes Yes,

except by occupant of premise

4. Smoke (a) Fireplace

(b) Heating or cooking unit

No Yes Yes Yes Yes Yes No
Yes Yes Yes Yes Yes Yes Yes
5. Vandalism or malicious

mischief

Yes, except if vacant over 30 days Yes, ex-

cept dwg loss if

vacant over

30 days

Yes Yes, ex-

cept dwg

loss if vacant over 30 days

Yes Yes,

except if vacant over 30

days

6. Water

(a) Flood, surface water

No No No No No, ex-

cept personal

property

off premises

No No
(b) Backup of sewers,

drains

No No No No No No
(c ) Leaking from

plumbing, heating or air conditioning systems

No Yes, except loss to involved system itself No
(d) Rain

through faulty roof, windows,

doors

No No Yes,

dwelling only

No Yes No No
(e) Freezing of

plumbing and heating system

No Yes, except while vacant or unoccupied and proper heat not maintained or system not drained No
7. Falling objects,

including trees

No Yes Yes Yes Yes Yes No
8. Weight of ice, snow, sleet No Yes Yes Yes Yes Yes, to

property inside

building

No
9. Collapse of building No Yes Yes Yes Yes Yes No
10. Sudden, accidental injury to electrical appliances No Yes Yes Yes Yes Yes No
11. Theft

(a) Building Materials

Yes, except when dwelling is under construction and prior to occupancy Yes, to

$1,000

(b) Personal Property Yes Yes Yes Yes Yes Yes Yes, to

$1,000

(c) From unattended auto off premises No No, unless by forced entry; available by endorsement No
(d) “Mysterious

disappearance”

(from known place when theft is likely)

Yes Yes Yes Yes Yes Yes Yes, to

$1,000

This document presents a general description of Typical homeowners insurance coverage’s consult the policy for exact terms and conditions that pertain to high risk home insurance in Alabama-AL, Alaska-AK, Arizona-AZ, Arkansas-AR, California-CA, Colorado-CO, Connecticut-CT, Delaware-DE, Florida-FL, Georgia-GA, Hawaii-HI, Idaho-ID, Illinois-IL, Indiana-IN, Iowa-IA, Kansas-KS, Kentucky-KY, Louisiana-LA, Maine-ME, Maryland-MD, Massachusetts-MA, Michigan-MI, Minnesota-MN, Mississippi-MS, Missouri-MO, Montana-MT, Nebraska-NE, Nevada-NV, New Hampshire-NH, New Jersey-NJ, New Mexico-NM, New York-NY, North Carolina-NC, North Dakota-ND, Ohio-OH, Oklahoma-OK, Oregon-OR, Pennsylvania-PA, Rhode Island-RI, South Carolina-SC, South Dakota-SD, Tennessee-TN, Texas-TX, Utah-UT, Vermont-VT, Virginia-VA, Washington-WA, West Virginia-WV, Wisconsin-WI, Wyoming-WY. 

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