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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.
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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