What Do I Do If I Can't Get Homeowners Insurance? 
Most states have what 's called a FAIR Plan , or `` insurer of last resort '' . This is an insurance company required to take on all risks , as long as you can prove two or more carriers have declined you . The coverage and pricing may vary , and may not be as good as you would get on the voluntary market , but coverage is available that way to nearly anyone having trouble finding a market for their homeowners policy . 