High-Risk Home Insurance Companies for 2025

Though not all well-known insurance companies offer high-risk homeowners insurance, some do. Amica, American Family, Allstate and Liberty are some of the best options for high-risk homeowners.

*Note: The options mentioned above are only some of the possible coverages you may be eligible to receive with these major companies. The coverage available to you may vary.

If you can't get coverage with a national carrier, consider a regional high-risk house insurance company instead. Regional companies offer more tailored homeowners coverage based on your area's most common claim losses. Depending on why you need at-risk home insurance, you could have better luck locally when you can't get coverage elsewhere. However, any of these carriers may deny you coverage, so contact each directly.

Florida, Texas and California residents have unique needs to protect their homes. Several coverage options are available in each state if you're having trouble getting homeowners insurance.

Florida is prone to hurricanes and high winds, which can significantly damage your home. Several options for regional insurers with dedicated agents can help you find the best high-risk homeowners insurance coverage to meet your needs, including:

• Universal Direct: When you get a quote online with Universal Direct, coverages and limits will automatically be recommended based on your home needs. Work with a local agent to tailor your policy with optional coverages like water backup, mechanical breakdown and debris removal.
• Tower Hill: It works with homeowners on all levels, with specific coverage and risk management programs for high-value homes. Your dedicated agent will ensure your home is covered with an annual review.
• United Home: It's available in five states, including Florida. It can insure your high-risk home from losses, including hail, windstorms and hurricanes. Purchase your auto and personal liability umbrella policies from this company for additional discounts.
• Citizens: If you can't get home insurance elsewhere, Citizens works with high-risk homeowners to cover their property outside the private market.

As the largest state geographically and second-largest in population density, Texas is at risk for all types of natural disasters. Homes on the Gulf Coast are especially susceptible to hurricanes and flooding, which aren't covered under a standard home insurance policy. 

If you need high-risk home insurance in Texas, consider these regional insurers:

• Texas Farm Bureau: Offered only in Texas, the Texas Farm Bureau Company can work with you to get coverage anywhere in the Lone Star State. You can save money on your high-risk home insurance with discounts for alarm systems, dry fire hydrants, impact-resistant roofing and more.
• Texas Windstorm Insurance Association (TWIA): If you need coverage for hail and windstorms in coastal counties, TWIA is where to go in Texas. You have to meet certain eligibility criteria to qualify, but qualifying means you won't have to do without this essential coverage.
• Chubb Lloyds Insurance Company of Texas: Chubb homeowners insurance offers Texans standard coverages, plus several extras to customize their high-risk homeowners insurance. Get coverage for tree removal, electronic data restoration and lock replacement. As a bonus, the company’s HomeScan program uses infrared technology to locate hidden damage like faulty electrical connections, leaks and missing insulation for free.

Wildfires, earthquakes and other natural disasters can make it hard to get homeowners insurance. If you can't get home insurance in California, consider these regional options:

• Grange: Tailor your home insurance with Grange, which offers optional coverages for refrigerated property, lock replacement, extra replacement cost and watercraft liability for certain recreational vehicles.
• American Modern: This California-based insurer offers a named peril high-risk home insurance policy. To expand your coverage, you can opt for its Enhanced Coverage endorsement.
• Capital Insurance Group (CIG): With CIG, you can get at-risk home insurance with optional coverages to better protect your home. Choose from add-ons like sports and home equipment, equipment breakdown and service line coverage, and identity theft insurance based on your needs.
• Guard: Part of Berkshire Hathaway, Guard offers high-risk homeowners insurance with various deductibles and discounts to keep rates affordable. Policyholders can include coverages such as identity fraud, service line and home systems coverage.

Your coverage needs and homeowner profile determine the best home insurance options. Explore the sections below for guidance on getting the right high-risk home insurance policy based on your situation.

Comparing quotes from multiple companies can help you find the best policies and rates based on your circumstances and needs. MoneyGeek's home insurance calculator can provide personalized quotes to help you get started.

High-risk homeowners insurance covers a home deemed high risk. Your home could be considered at risk for several reasons, including its location, characteristics or your personal criteria.

Not all carriers offer high-risk home insurance, which can be more expensive than standard coverage. Depending on the insurance company, you could be limited in the types of claims you can file.

A home may be considered high risk for several reasons. The location could make it high risk, especially if the area has high crime rates or higher-than-average homeowners' claims because of weather. A high-risk home could also be a vacation rental or a second home you don't live in year-round.

Other factors could also make an insurance company consider your home higher risk, including:

• Historical or architecturally significant homes
• Structural issues
• Unrepaired damage

Personal factors can also lead insurance companies to consider your home high risk. These include owning aggressive dog breeds, filing many claims, having a criminal record or having a low credit score.

Consider a Fair Access to Insurance Requirements (FAIR) Plan if you can't get home insurance in the voluntary market.

Local governments in most states run FAIR plans and offer high-risk homeowners insurance coverage against fires, riots, vandalism and windstorms. Coverage is limited, so this option should be a last resort. 

To qualify, you may have to make home improvements, like upgrading your electrical or plumbing system if you live in an older house. If you don't limit your home's loss exposure, you could be denied coverage by a FAIR Plan administrator.

Homeowners insurance is the best way to protect your home and belongings from losses. However, it can be challenging to find home insurance if your house is considered high risk. Not all companies sell high-risk homeowners insurance, and the providers that do tend to require more expensive premiums and may limit coverages.

This guide explores what makes your home high-risk and which companies offer at-risk coverage to help you find the best and most affordable home insurance options.

MoneyGeek answered frequently asked questions about high-risk home insurance to help you understand how it works and compare companies.

Why Trust MoneyGeek? 

MoneyGeek analyzed quotes from multiple insurance providers across the U.S. using a profile that reflects the average homeowner. By considering different locations and companies, we provide a reliable estimate of what homeowners can expect to pay, showing why comparing rates matters.

Methodology

MoneyGeek evaluated homeowners insurance carriers, incorporating insights and premiums from the official databases of Quadrant Information Services.

Homeowner Profile

For our analysis, we created a sample homeowner profile with the following characteristics: 

• Good credit score (769 to 792)
• Home constructed in 2000
• Wood-frame construction
• Composite shingle roof

Homeowners Insurance Coverage Details

Unless otherwise specified, we used the following coverage limits to collect quotes for our comparison:

• $250K in dwelling coverage
• $125K in personal property coverage
• $200K in personal liability coverage
• $1,000 deductible

We also compiled data for policies with broader coverage to determine the best companies for insuring expensive homes, upping limits to $1M in dwelling coverage, $500K in personal property coverage and $1M in liability coverage.