My homeowners insurance was cancelled because I missed a payment. Where can I find a new company to insure my home?

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Asked January 31, 2014

1 Answer


Having your policy canceled could make it harder to find a homeowners policy, and it will almost certainly make it more expensive, but home insurance is considered a necessary item for homeowners, and you can get coverage even after one company has canceled you because of a missed payment.

Start on this website, with a free online homeowner's insurance quote. Once you have filled in the form, you will be presented with a quote from a chosen insurer, and that will be compared to some other leading competitors to show what your policy is going to cost. Shopping for a home policy online gives you the comfort, convenience and leisure of shopping in your own time, even if you want to do it on a holiday or in the middle of the night.

If you are still having trouble finding a company to insure you, you may have to check with some high risk insurers. Contact your state's department of insurance, explain your situation, and ask them about potential high risk insurers in your state. If one canceled policy is the only insurance problem you've had, getting a replacement policy should not be too difficult or expensive, and once you have had the policy for a while, the rates will go back down again.

If you are unable to secure a home insurance policy, your mortgage company has two options: They can foreclose on the mortgage, or provide you with insurance through their own sources. This coverage is typically much more expensive than getting your own insurance, but can be bundled into the mortgage payments. However, mortgage companies are not required to provide your home insurance, and not all companies will do so.

Answered January 31, 2014 by Anonymous

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