Insurers can non-renew your policy for too many claims, high-risk property conditions like an old roof or pool, or market-wide changes. To avoid this, maintain your home, file claims only for major damage, and shop for new coverage promptly if non-renewed.
Why Insurers Drop
Too many claims (2+ in 3 years), old roof, high-risk features, or market area changes.
How to Prevent
Maintain home proactively. File claims only for significant damage over $5,000.
What to Do If Dropped
Shop for new coverage immediately. Consider a surplus lines insurer if standard market won't cover.
High-Risk Factors
Older roof, unfenced pool, trampoline, or certain dog breeds may affect insurability.