I can’t find homeowners insurance. I’ve checked with many insurers but no one will sell me a policy. What can I do?

Ask your neighbors. If you are having trouble insuring the home it is very possible that your neighbors had similar problems. Find out how they found suitable coverage and ask about any problems they may have had with the insurance they have. You could also contact your local realtor's association and find out if they have any suggestions.

The Chamber of Commerce may be able to offer you limited advice, but their assistance is generally more helpful for business owners than homeowners, unless you operate a home-based business. Your state also has a department of insurance that monitors insurance companies operating anywhere in the state. This is a good place to track down companies that are offering home insurance in your location.

Even if you cannot find any common carriers for your home does not mean that you cannot get insurance. When all else fails, most states have a general insurance fund called the FAIR plan or Windstorm Plan. This "last-ditch" form of coverage is available in 32 states plus the District of Columbia. The states requires all insurance companies which do business in the state to share in the FAIR plan, which is generally the only type of insurance in areas that are prone to regular disasters such as flooding. This is the most expensive type of homeowners insurance, but it is available when you are unable to find any other resources.