What If I Cannot Get Coverage?

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Insuring Your High-Risk Home

Whether your dream home is situated on a sheer cliff that commonly gets battered by storms or you are looking to buy in a riskier neighborhood so you can get more house for your money, there may come a time where you want to purchase a home that insurers will consider high risk.

Of course, you should have the freedom to buy whatever property will best meet your family’s needs, but this could present a problem. You may have a difficult time obtaining coverage if you live in a high-risk area. Fortunately, you have a few options for finding the policy you need.

  • Talk To Your Agent: If you have a good relationship with your existing homeowners insurer, give them a call. Ask your agent which improvements you can make to make your home less risky to insure and if there is anything else you can do to help yourself get the coverage you need.
  • Talk To Your Neighbors: Ask people near you what they have done to secure coverage. Your neighbors likely face a lot of the same issues as you—whether due to natural disaster or crime—and have likely shopped local insurers to discover which will offer you the protection your home requires.
  • Talk To Your State: California has a state insurance department that can let you know which insurers write policies in your area that you can reference in your hunt for coverage.

No matter where you live, the dedicated team at Agers Insurance Services wants to help protect you. For all of your homeowners insurance needs in Oakley and the surrounding California area, contact our team of coverage experts today. We know that getting the right policy for your unique home can be challenging, and we want to work with you to help you put the right protections in place for your family.