A home insurance company can drop you for neglecting to pay on time, filing too many claims and more. A few common reasons include:
How to Get Homeowners Insurance After Being Dropped
Updated: April 7, 2026
Advertising & Editorial Disclosure
Key Takeaways
Being dropped by home insurance means not being renewed when your term ends or having your policy canceled.
A FAIR Plan serves as a last resort if you can’t find traditional home insurance. It provides limited coverage, but can be purchased through your state's insurance department or a designated association.
Your home insurance may drop you if you haven’t paid your premiums, file too many claims, or have increased risk factors.
Why Home Insurance Policies Get Dropped
You Missed Premium Payments
Missing premium payments will get your insurance canceled. Pay on time to keep your coverage active.
You Have Excessive Claims
Too many claims, especially for preventable or suspicious incidents, will get you dropped at renewal time.
You Have Not Disclosed Previous Claims
Failing to disclose previous claims when applying for coverage or not reporting claims promptly can lead to policy cancellation.
You Provided False Information
Providing false information on your insurance application or engaging in fraudulent activities related to claims can result in immediate policy cancellation.
You Live in A High-Risk Location
If your home sits in hurricane, earthquake or wildfire zones, insurers might cancel your coverage because these areas are too risky for them.
You Have High-Risk Features
If your home has high-risk features, such as a deteriorating roof or outdated electrical system, insurance companies may drop coverage. Insurers see poorly maintained homes as higher risk because they're more likely to need claims.
HOME INSURANCE CANCELLATION VS. NON-RENEWAL
- A cancelled home insurance policy occurs before your term ends, caused by issues like fraud or failure to make payments.
- A nonrenewal refers to when your insurance provider decides not to extend your policy when it expires.
What to Do if You’re Dropped From Your Home Insurance
If your homeowners insurance policy has been dropped or not renewed, you can seek new coverage after addressing the reasons for cancellation. Here’s are your options if you’re dropped from your home insurance:
- 1Resolve the Issue & Appeal for Reinstatement
Contact your previous insurer to discuss the exact reason why you were dropped. If the issue that led to you being dropped can be resolved, such as nonpayment, you may be able to reinstate or renew your policy.
- 2Shop Around for New Insurance
If you can't get reinstated or want a new insurer, compare homeowners insurance quotes from multiple companies to find coverage that fits your needs and budget. Before buying a new policy, fix whatever got you dropped in the first place.
- 3Purchase a FAIR Plan
Depending on your situation, some providers may choose not to offer coverage. If this happens, you can turn to a Fair Access to Insurance Requirements (FAIR) Plan as an alternative to home insurance. A FAIR Plan offers basic coverage for your dwelling and belongings, but only for specifically listed risks. You'll have limited or no liability, medical payments or temporary living expense coverage.
REQUEST A CLUE REPORT
Request a Comprehensive Loss Underwriting Exchange (CLUE) report so insurers can see your claims history. This report shows all your past claims and coverage inquiries from the last five years. You can correct any errors and offer accurate information when applying for new insurance.
Home Insurance Cancellation Laws by State
Insurers must notify you before canceling your policy, but the notice period and acceptable reasons vary by state.
Contact your state's Department of Insurance to learn about your rights and the specific cancellation rules in your area. They can provide detailed information on policy cancellations, notice requirements and your rights as a homeowner.
Alabama | Department of Insurance 201 Monroe St, Ste 502, P.O. Box 303351, Montgomery, AL 36104 334-269-3550 https://www.aldoi.gov/ |
Alaska | Department of Community and Economic Development, Division of Insurance Anchorage: 550 W 7th Ave, Ste 1560, Anchorage, AK 99501 Juneau: 333 Willoughby Ave, 9th Fl, Juneau, AK 99801 907-269-7900 https://www.commerce.alaska.gov/web/ins/ |
Arizona | Department of Insurance & Financial Institutions 100 North 15th Ave, Ste 261, Phoenix, AZ 85007 602-364-3100 https://difi.az.gov/ |
Arkansas | Department of Insurance 1 Commerce Way, Little Rock, AR 72202 501-371-2600 / 800-282-9134 https://insurance.arkansas.gov/ |
California | Department of Insurance Sacramento: 300 Capitol Mall, 17th Fl, Sacramento, CA 95814 Los Angeles: 300 S Spring St, 14th Fl, Los Angeles, CA 90013 Oakland: 1901 Harrison St, 6th Fl, Oakland, CA 94162 800-927-4357 / 800-482-4833 https://www.insurance.ca.gov |
Colorado | Department of Regulatory Agencies, Division of Insurance 1560 Broadway, Ste 850, Denver, CO 80202 303-894-7499 https://doi.colorado.gov/ |
Connecticut | Department of Insurance Physical: 153 Market Street, 7th Fl, Hartford, CT 06103 860-297-3800 https://portal.ct.gov/cid |
Delaware | Department of Insurance Dover: 1351 West North St, Ste 101, Dover, DE 19904 Wilmington: 503 Carr Rd, Ste 202, Wilmington, DE 19809 Georgetown: 28 The Circle, Ste 1, Georgetown, DE 19947 800-282-8611 https://insurance.delaware.gov/ |
District of Columbia | Department of Insurance, Securities and Banking 1050 First Street NE, Ste 801, Washington, DC 20002 202-727-8000 https://disb.dc.gov/ |
Florida | Office of Insurance Regulation 200 East Gaines St, Tallahassee, FL 32399 850-413-3140 https://www.floir.com/ |
Georgia | Insurance and Fire Safety 2 Martin Luther King, Jr. Dr, Atlanta, GA 30334 404-656-2070 https://oci.georgia.gov/ |
Hawaii | Department of Commerce and Consumer Affairs, Insurance Division King Kalakaua Building, 335 Merchant Street, Rm 213, Honolulu, HI 96813 808-586-2790 https://hawaii.gov/dcca/ins |
Idaho | Idaho Department of Insurance 700 West State Street, P.O. Box 83720, Boise, ID 83720-0043 800-721-3272 https://www.doi.idaho.gov |
Illinois | Illinois Department of Insurance Springfield: 320 West Washington St, Springfield, IL 62767 Chicago: 115 S. LaSalle Street, 13th Floor, Chicago, IL 60603 866-445-5364 https://insurance.illinois.gov/ |
Indiana | Department of Insurance 311 W Washington St, Ste 300, Indianapolis, IN 46204 800-622-4461 / 317-232-2395 / (Text) 888-311-1846 https://www.in.gov/idoi/ |
Iowa | Division of Insurance 1963 Bell Ave, Ste 100, Des Moines, IA 50315 515-654-6600 https://iid.iowa.gov/ |
Kansas | Department of Insurance 1300 SW Arrowhead Rd, Topeka, KS 66604 785-296-3071 / 800-432-2484 https://insurance.kansas.gov/ |
Kentucky | Kentucky Department of Insurance 500 Metro Street, 2 SE 11, Frankfort, KY 40601 502-564-3630 https://insurance.ky.gov/ |
Louisiana | Department of Insurance 1702 N Third St, Baton Rouge, LA 70802 255-342-5900 / 800-259-5300 https://www.ldi.state.la.us |
Maine | Bureau of Insurance 76 Northern Ave, Gardiner, ME 04345 207-624-8475 / 800-300-5000 https://www.maine.gov/pfr/insurance/home |
Maryland | Maryland Insurance Administration 200 St. Paul Pl, Ste 2700, Baltimore, MD 21202 410-468-2340 https://www.mdinsurance.state.md.us |
Massachusetts | Division of Insurance 1 Federal Street, Suite 700, Boston, MA 02110 617-521-7794 / 877-563-4467 https://www.mass.gov/orgs/division-of-insurance |
Michigan | Michigan Department of Insurance and Financial Services 530 W Allegan St, 7th Fl, Lansing, MI 48933 517-284-8800 / 877-999-6442 https://www.michigan.gov/difs |
Minnesota | Department of Commerce 85 7th Pl East, Ste 280, Saint Paul, MN 55101 651-539-1500 https://mn.gov/commerce/insurance/ |
Mississippi | Department of Insurance 1001 Woolfolk State Office Building, 501 North West St, Jackson, MS 39201 601-359-3569 https://www.mid.ms.gov/ |
Missouri | Missouri Department of Insurance 301 West High St, Rm 530, Jefferson City, MO 65101 573-751-4126 https://insurance.mo.gov/ |
Montana | Montana Insurance Department 840 Helena Ave, Helena, MT 59601 406-444-2040 https://csimt.gov/ |
Nebraska | Nebraska Department of Insurance (P.O. Box) 95087, Lincoln, NE 68509-5087 402-471-2201 https://doi.nebraska.gov/ |
Nevada | Nevada Division of Insurance Carson City: 1818 E. College Pkwy, Ste 103, Carson City, NV 89706 Las Vegas: 3300 W Sahara Ave, Ste 275, Las Vegas, NV 89102 888-872-3234 https://doi.nv.gov/ |
New Hampshire | New Hampshire Insurance Department 21 S Fruit St, Ste 14, Concord, NH 03301 603-271-2261 https://www.insurance.nh.gov/ |
New Jersey | New Jersey Department of Banking and Insurance 20 West State St, P.O. Box 325, Trenton, NJ 08625 609-292-6000 https://www.nj.gov/dobi/index.html |
New Mexico | New Mexico Office of Superintendent of Insurance Santa Fe: 1120 Paseo De Peralta, Santa Fe, NM 87501 Albuquerque: 6200 Uptown Blvd NE #400, Albuquerque, NM 87110 855-427-5674 https://www.osi.state.nm.us/ |
New York | New York State Department of Financial Services NYC: 1 State St, New York, NY 10004-1511 Albany: 1 Commerce Plaza, Albany, NY 12257 Buffalo: 535 Washington St, Ste 305, Buffalo, NY 14203 Garden City: 1399 Franklin Ave, Ste 203, Garden City, NY 11530 Syracuse: 333 East Washington St, Syracuse, NY 13202 800-342-3736 https://www.dfs.ny.gov/ |
North Carolina | North Carolina Department of Insurance 3200 Beechleaf Ct, Raleigh NC 27604 855-408-1212 https://www.ncdoi.gov/ |
North Dakota | North Dakota Insurance Department 600 East Boulevard Ave, Bismarck, ND 58505-0320 701-328-2440 https://www.insurance.nd.gov/ |
Ohio | Ohio Department of Insurance 50 W Town St, Ste 300, Columbus, Ohio 43215 614-644-2658 / 800-686-1526 https://insurance.ohio.gov/home |
Oklahoma | Oklahoma Insurance Department 400 NE 50th Street, Oklahoma City, OK 73105 405-521-2828 https://www.oid.ok.gov/ |
Oregon | Oregon Division of Financial Regulation 350 Winter St NE, Rm 410, Salem, OR 97301 503-378-4140 / 888-877-4894 https://dfr.oregon.gov/insure/Pages/index.aspx |
Pennsylvania | Pennsylvania Insurance Department 1326 Strawberry Square, Harrisburg, PA 17120 717-787-2317 https://www.insurance.state.pa.us |
Rhode Island | State of Rhode Island, Department of Business Regulation 1511 Pontiac Ave, Cranston, RI 02920 401-462-9500 https://dbr.ri.gov/insurance/consumers |
South Carolina | South Carolina Department of Insurance 1201 Main St, Ste 1000, Columbia, SC 29201 803-737-6160 https://doi.sc.gov/ |
South Dakota | South Dakota Division of Insurance 124 South Euclid Ave, 2nd Fl, Pierre, SD 57501 605-773-3563 https://dlr.sd.gov/insurance/ |
Tennessee | TN Department of Commerce and Insurance 500 James Robertson Pkwy, Nashville, TN 37243-0565 615-741-2241 https://www.tn.gov/commerce.html |
Texas | Texas Department of Insurance 1601 Congress Ave, Austin, TX 78701 800-252-3439 / 800-578-4677 https://www.tdi.texas.gov/index.html |
Utah | Utah Department of Insurance 4315 S 2700 W, Ste 2300, Taylorsville, UT 84129 801-957-9200 / 800-439-3805 https://insurance.utah.gov/ |
Vermont | State of Vermont, Department of Financial Regulation 89 Main S, Montpelier, VT 05620-3101 802-828-3302 / 800-964-1784 https://dfr.vermont.gov/insurance |
Virginia | Bureau of InsuranceBureau of Insurance, 3rd Fl, 1300 E Main St, Richmond, VA 23219 804-371-9741 / 877-310-6560 https://www.scc.virginia.gov/pages/Bureau-of-Insurance |
Washington | Office of the Insurance Commissioner, Washington State Mailing address: P.O. Box 40255, Olympia, WA 98504-0255 Street address: 5000 Capitol Blvd, SE, Tumwater, WA 98501 360-725-7000 / 800-562-6900 https://www.insurance.wa.gov |
West Virginia | West Virginia Offices of the Insurance Commissioner Physical: 900 Pennsylvania Ave, Charleston, WV 25302 Mailing: P.O. Box 50540, Charleston, WV 25305-0540 888-879-9842 / 304-558-3386 https://www.wvinsurance.gov/ |
Wisconsin | Wisconsin Office of the Commissioner of Insurance 101 East Wilson St, Madison, WI 53703 608-266-3585 https://oci.wi.gov/ |
Wyoming | Wyoming Department of Insurance 106 E 6th Ave, Cheyenne, WY 82002 307-777-7401 https://doi.wyo.gov/ |
Tips to Prevent Home Insurance from Being Dropped
Keeping your current insurance is much easier than finding new coverage after being dropped. Fix problems before they get you canceled. Here are some key tips to help you prevent your home insurance from being dropped:
Regular Maintenance
Keep your home in good condition by addressing maintenance issues promptly. Regularly inspect and maintain critical components like your roof, electrical system, plumbing and heating/cooling systems.
Timely Premium Payments
Ensure you pay your insurance premiums on time and in full. Late or missed payments can lead to policy cancellation, so stay current with your financial obligations.
Transparent Communication
Be honest and transparent when applying for insurance and filing claims. Providing accurate information and promptly reporting incidents helps maintain trust with your insurer.
Claims Management
Although you must report valid claims, be mindful of the frequency and nature of claims. Frequent and preventable claims can increase the risk of policy cancellation.
Risk Mitigation
Implement safety measures to reduce the risk of accidents and losses. This includes installing smoke detectors and security systems and taking steps to prevent common home hazards.
Reviewing and Updating
Regularly review and update your insurance policy to ensure it adequately reflects your home's value and your coverage needs. Changes in your home's value or personal circumstances may require adjustments to your policy.
Follow these steps to keep your coverage active and avoid the hassle of finding new insurance.
How to Get Home Insurance After Being Dropped: Bottom Line
Getting dropped doesn't mean you're stuck without coverage. You can find new insurance, but you'll need to fix whatever got you canceled first. Before shopping for a new policy, understand why you were dropped and address that problem. New insurers will likely refuse you if they see the same red flags that caused your cancellation.
Fix the issues that led to your nonrenewal, and you'll have better luck finding affordable coverage from a quality insurer.
Homeowners Insurance After Being Dropped: FAQ
Having an insurance policy canceled can be frustrating and challenging, especially when you need to get new homeowners insurance. We answered some common questions to help you weigh your options in this situation.
Can an insurer refuse to renew?
Yes, an insurance company can refuse to renew your homeowners insurance policy. Providers have the discretion to decide whether they want to continue insuring your property when your policy term expires.
Why would an insurance company drop you?
Homeowners insurance companies drop policyholders for missed payments, high-risk features like deteriorating roofs or outdated electrical systems, too many claims, fraud or living in disaster-prone areas. Fix these issues to keep your coverage.
What happens to your mortgage if your home insurance is canceled?
Because lenders require homeowners insurance, your mortgage is at risk if your coverage gets canceled. Your lender might impose fines or, in extreme cases, demand full repayment of your loan.
What should you do if you can’t get homeowners insurance because of your claims history?
If you can't get homeowners insurance because of your claims history, try shopping with different insurers, working with an independent agent who knows which companies accept higher-risk homes, or applying for a FAIR plan as a last resort.
Getting Home Insurance After Being Dropped: Our Methodology
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 aim to give a reliable estimate of what homeowners can expect to pay, showing why it’s important to compare rates.
Methodology
MoneyGeek evaluated homeowners insurance carriers incorporating insights and premiums from the official databases of Quadrant Information Services.
Analysis may not reflect current market rates. Individual quotes may vary based on personal circumstances, location, and insurer underwriting guidelines.
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:
- $250,000 in dwelling coverage
- $125,000 in personal property coverage
- $200,000 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 $1 million in dwelling coverage, $500,000 in personal property coverage and $1 million in liability coverage.
Home Insurance After Cancellation: Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Idaho Department of Insurance. "Home Policy Cancellation." Accessed May 9, 2025.
- New York Department of Financial Services. "Cancellations and Non-Renewals." Accessed May 9, 2025.