If your homeowners insurance company cancelled or non-renewed your policy due to too many claims, roof age, water damage, fire loss, or inspection issues — you’re not alone.
Many major carriers are tightening underwriting in Arizona, leaving homeowners with limited options.
We specialize in hard-to-insure homes, helping Tempe residents secure coverage quickly, even after:
- 2–3 claims
- Water or plumbing losses
- Roof issues
- Fire or smoke damage
- Dog liability concerns
- Lapse in coverage
- Non-renewal letters
We work with standard, non-standard, and surplus lines carriers to help you stay insured.
Why Was My Home Non-Renewed?
Multiple Claims (2–3 in 3 years)
Most carriers will not renew after repeated claims — even if they were small.
Water Damage or Plumbing Claims
Water losses are the #1 reason for non-renewals in Arizona.
Old Roof / Failing Roof Inspection
Homes with roofs older than 15–20 years are often flagged.
Lapse in Coverage
If your previous policy expired without payment, new carriers become stricter.
Dog Liability Issues
Certain dog breeds cause immediate non-renewals with many carriers.
Fire Risk or Past Fire Claim
Any fire-related claim increases underwriting restrictions.
Coverage Options for Hard-to-Insure Homes
Replacement Cost Coverage
Covers the cost to rebuild your home without depreciation.
Water Damage Protection
Optional coverage if your history includes prior water losses.
Roof Replacement Coverage
Available for many homes once repairs or updates are completed.
Personal Liability Coverage
Protects you if someone is injured on your property.
Extended Dwelling Coverage
Helps protect against inflation and high rebuilding costs.
Named Peril or Modified Coverage (Budget Options)
Available if your claim history is severe.
Who We Help in Tempe
We insure:
- Homes with multiple claims
- Homes previously cancelled or non-renewed
- Older homes
- Homes with roof issues
- Homes with prior plumbing or water claims
- Homes with dog liability concerns
- Vacant homes (optional vacancy policy)
- New homebuyers who were denied insurance
How to Get Homeowners Insurance After Non-Renewal in Tempe, AZ
- Call or text 480-270-2935 — this is step one.
- Tell us why the previous carrier non-renewed you
- We match you with high-risk or specialty carriers
- You choose the best available coverage
We can bind coverage same-day in most cases.
Homeowners Non-Renewal FAQs — Tempe, AZ
Why did my homeowners insurance drop me?
The most common reasons are multiple claims, water losses, roof age, or inspection issues.
Absolutely — can you insure me if I’ve had 2 or 3 claims?
Yes. We work with carriers that accept homes with multiple claim history.
Should I wait for repairs before getting new coverage?
No. Many policies can be issued while repairs are pending.
Homeowners Insurance After Non-Renewal in Tempe, AZ — Get a Quote Today
Need insurance fast after a cancellation or non-renewal? We can help.
Call or text 480-270-2935 for a high-risk homeowners quote.
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Llámanos al 480-270-2935 para asegurar tu casa después de una cancelación o no renovación en Tempe, AZ.