Which ins. co is the best for homeowners who have had 2 claims within the past 3 years? I do not wish to combine with auto ins.

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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: Apr 11, 2012

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Insurance Question from Plainfield, IL

Asked on 04/11/2012

Which ins. co is the best for homeowners who have had 2 claims within the past 3 years? I do not wish to combine with auto ins. dwelling 290,000 This is what we'd be looking for.extension 29,000personal property 150,000deductible 1,000-5,000personal liability 300,000-500,000damage to others property 500medical payments to others 5,000

Answer given on April 13, 2012

If you have had two homeowner losses in the past three yeras, you may find it difficult to find a replacement policy. Most insurance companies will not accept a new policy on a homeowner with losses in the past three years. If your current insurance company has not non-renewed your policy, you should sty with them until there has been more time since your latest loss.If you are being non-renewed by your current insurance company, you will have even more difficulty finding a replacement policy. Insurance companies always ask if you have been non-renewed and will most likely decline your application. If you do not reveal that you have been non-renewed any loss you have could be denied when the insurance company learns of your history.There are specialty insurance companies that will write your insurance if you were non-renewed, but it will be expensive and a high deductible may be required.

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