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Too many homeowners claims will make you a high risk.

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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.


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

hail, riot, civil commotion, aircraft, explosion

2. Bursting of steam or hot

water appliances and heating systems

3. Damage by vehicles:


Yes, ex-

cept by occupant of premises


except by occupant of premise

4. Smoke (a) Fireplace

(b) Heating or cooking unit

5. Vandalism or malicious


Yes, except if vacant over 30 daysYes, ex-

cept dwg loss if

vacant over

30 days

YesYes, ex-

cept dwg

loss if vacant over 30 days


except if vacant over 30


6. Water

(a) Flood, surface water

NoNoNoNoNo, ex-

cept personal


off premises

(b) Backup of sewers,


(c ) Leaking from

plumbing, heating or air conditioning systems

NoYes, except loss to involved system itselfNo
(d) Rain

through faulty roof, windows,



dwelling only

(e) Freezing of

plumbing and heating system

NoYes, except while vacant or unoccupied and proper heat not maintained or system not drainedNo
7. Falling objects,

including trees

8. Weight of ice, snow, sleetNoYesYesYesYesYes, to

property inside


9. Collapse of buildingNoYesYesYesYesYesNo
10. Sudden, accidental injury to electrical appliancesNoYesYesYesYesYesNo
11. Theft

(a) Building Materials

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


(b) Personal PropertyYesYesYesYesYesYesYes, to


(c) From unattended auto off premisesNoNo, unless by forced entry; available by endorsementNo
(d) “Mysterious


(from known place when theft is likely)

YesYesYesYesYesYesYes, to


This document presents a general description of Typical homeowners insurance coverages consult the policy for exact terms and conditions

Personal High Risk House Insurance
Personal High Risk House Insurance help from experienced brokers
Brand: Personal High Risk Homeowners Insurance
Manufacturer: Various Insurance Companies
Model: High Risk
Product ID: Personal High Risk Homeowners Insurance
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