Where can we obtain homeowner insurance on an older home that is being renovated.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 20, 2011

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Insurance Question from Beechwood, MI

Asked on 10/20/2011

Where can we obtain homeowner insurance on an older home that is being renovated. We recently received a cancellation from our current homeowner carrier (Farmers Mutual). We have an older home that it being renovated. Last January we had a fire in the woodstove in the newly renovated part of the home. The repairs were completed, a new stove installed etc. The company will not renew the policy and we must find a new carrier. The renovation is not complete, some of the siding is not yet on and the roof is new on the renovated area but still old on the older part. We live in Upper Michigan in town close to the fire station. Any help you can give would be appreciated.

Answer given on October 21, 2011

Homeowners in the middle of a renovation can find it difficult to find insurance during the renovation. It is further complicated by the fact that the insurance has been non-renewed by the current insurance company, and the fact that you have had a loss within the past year. All of these factors further complicate getting insurance.If you are living in the home during the work, it can make it easier. You should contact an independent insurance agent, who represents a multiple number of insurance companies. Explain the situation. They should be able to find a company willing to insure your home. However, there may be a high deductible and limited coverage offered until the work is complete. You may have to go with a specialty insurance company, sometimes known as a “non admitted” insurance ccmpany. They can often write the insurance that the standard companies won’t, but again the costs can be very high.

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