What Do I Do If I Can't Get Homeowners Insurance? 
Talk to your Insurance Professional about alternatives . Most states have programs that offer such coverage for higher risk or otherwise un insurable properties . The coverage tends to be limited and the premiums are certainly not as favorable as a standard Homeowners policy but it is an alternative . Keep in mind as well that if you have a mortgage and your homeowners policy cancels , if you are not able to produce proof that you have replaced that coverage , the bank will obtain coverage in THEIR interest and pass the cost on to you . 