PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
What should I do if I can't get home insurance?
I've applied for home insurance with a few companies and been turned away. What do I do in this situation?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Finding a homeowners policy can be quite a challenge, and even more so if you have several claims in your history, a low credit score, or a property that is in need of extensive repairs.
If you still have a mortgage on your home, it is most likely a requirement to keep homeowners insurance for the property; the bank can revoke the loan and foreclose on your home if you do not maintain proper coverage. If you own your home outright, there isn’t a penalty for not having insurance. Still, you are leaving yourself unprotected financially from potential disasters or liability lawsuits.
If you are in this situation and have exhausted all other options, get in contact with your state’s insurance department; you may qualify for a FAIR plan. FAIR stands for “Fair Access to Insurance Requirements,” and it is designed for a property that may be higher risk or for individuals who are having trouble getting a policy. Every state has its own version of the FAIR plan and the goal is for everyone who wants coverage to be able to get it!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies