What Happens If I Can't Get Homeowners Insurance? 
Depending on your State laws , you may have the option to obtain coverage through a State Fund or similar product . I would reach out to the Department of Insurance where you live and inquire about options . Typically insurance carriers will deny coverage for a property based on the risk involved in insuring the location . For example , a home in a heavily wooded area , in an area where forest fires are of concern , would carry a much higher risk than a property in a downtown neighborhood might . In these cases , the State Insurance Fund normally covers the property . However , depending on your state , this insurance is not very cost effective , and can be very limited in coverage . In some cases , once you have the State Fund policy in place , you can find an insurance company who can provide a rider policy to cover items the State Fund does not cover . 