What To Do When Home Insurance Drops You? 
Insurers dont usually drop a customer for no reason . Claim activity and payment issues may often result in a termination notice but there can be a number of other reasons . If you have other insurance with that company or agent , I might try to appeal that decision . There may be a reasonable explanation for adverse claim experience or money problems . If you can assure the company or agent an unfavorable pattern most likely will not continue , they may reverse their position and continue providing coverage . Assuming larger deductibles or paying premiums up front with a credit card may also work in your favor . If that doesnt work , independent agents usually represent more than one other company . They may be able to simply place your coverage with another company but make sure you pay close attention to the questions on a new companys application . I suggest it is normally a good idea to combine your insurance with one company or agent when possible . That may make you more important to them than if you only have a single policy . Premium leverage can often work to your advantage . Although I hesitate to use them , a number of insurers claim to specialize in replacing cancelled insurance . Often they charge more , may limit the scope of coverage and be more difficult to work with should a claim occur . Proceed with care in this direction . Many states offer assigned risk pools or similar facilities that accept insurance from residents who are unable to obtain insurance through normal channels . In certain situations these alternatives may be worth considering . I would not consider this alternative a long-term solution . If this becomes your only viable alternative , make an effort to reenter the standard insurance marketplace as soon as you can . 