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What Happens When Your Insurance Company Decides to Non-Renew Your Homeowners Policy

This case study is a real-life story detailing what to do after being non-renewed by your insurance carrier.

The Story of the Smiths

Jane and Jeff Smith own a vacation home in the New Hampshire lakes where the couple spends the summer. They typically return to Florida for the winter months. During a particularly cold stretch of New Hampshire weather, while the Smiths were away, one of their lake home’s pipes burst causing significant damage to the first floor.

Naturally, the Smiths turned to their insurance agent and promptly initiated a claim for repairs. While repairs for the incident were underway, the Smiths got a notice of non-renewal from their current insurance company. Because this was their second claim, they were dropped by their insurance company.

Troubled and not sure what to do or where to turn, the Smiths called the NH State Insurance Agency which eventually led them to Avery.

The Challenge of Securing Insurance After a Large Loss

An insurance company can elect not to renew your home insurance policy for any number of reasons. The most common reason is that you or your property have become too risky.

Non-renewal is a type of policy discontinuation where the insurance company drops coverage at the end of the policy’s term. After being dropped by your insurance provider, the first step is to determine exactly why this happened. In the Smiths’ case, it was their second claim.

Finding a new homeowners insurance policy can be challenging for people who have been non-renewed. Insurance companies consider a person’s claims and coverage history when deciding whether they want them as a customer. It could be more difficult in the standard market to obtain coverage, which will leave you looking for non-standard coverage (coverage from a company that specializes in high-risk insurance).                                  

How Avery Responded

After a consultation with the Smiths, Avery went to work.

For the Smiths, finding replacement coverage was complicated; there were a limited number of other carriers willing to write a new policy with the existing claims history coupled with the ongoing renovations.  

Because Avery represents several companies as well as surplus and excess insurance companies that specialize in placing coverage for hard-to-place risks, Avery was able to source a solution for the Smiths.

Why Avery

At Avery, we know the importance of details. An ongoing review of your asset portfolio ensures your protection evolves with your needs.

Avery has the resources, relationships with elite, standard and non-standard carriers, and the know-how to build a custom portfolio to provide a broad spectrum of protection for individuals and families. Avery proudly partners with premier carriers – those that only work with select agencies – to provide an unparalleled level of service to our clients.

Call an Avery Agent for a free, confidential review of your portfolio or request a quote to get started.


Disclaimer: Names, places, and facts have been modified in order to protect the privacy of the parties involved. This case study is for illustration purposes only.

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Avery Insurance Agency
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